Employers’ Liability (Compulsory Insurance) Act 1969

Employers' Liability Insurance protects the health and safety of employees during the course of their occupation. If you employ anyone then this type of insurance is compulsory by law and covers you in the event of having to pay compensation for injury or illness to an employee that is working for you.

This type of cover is not to be confused with public liability insurance which covers you and your employees for injury or damage caused to the public. While public liability insurance is expected, it is generally voluntary but employers’ liability insurance is compulsory. By law you must hold a minimum of £5,000,000 worth of employers' liability insurance but most insurance companies provide £10,000,000 as standard anyway.

Many people do not know that employers' liability insurance certificates must be kept for a minimum of 40 years. This is probably due to the fact that an employee can develop an illness in the future after leaving a company and may want to come back to them to claim compensation at this point which could obviously be several years down the line.

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