Compulsory Employers Insurance
The law states most employers must have Employers' Liability Insurance and if so the certificate must be display where staff can easily read it. You face a fine if you do not have a current policy.
Employers' Liability Insurance means you have cover against claims If your staff are injured or get ill because of their work. They can make a claim for compensation if you are responsible.
Your policy must use an authorised insurer. The Financial Services Authority (FSA) has a list of authorised insurers. You can check if a company is authorised by searching the register on www.fsa.gov.uk
Do I need this insurance?
The answer is almost certainly 'yes'. However, you may not need it if you have no employees.To find out more, including: How much cover you need; How much cover you need; Who does not need Employers' Liability Compulsory Insurance; and Which employees your policy must cover, in this Free HSE guide for employers