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22) Does your organisation have employers' liability insurance?

August 30, 2022
Employers' Liability Insurance

Answer yes if your organisation holds a valid employers' liability insurance policy. Please provide the certificate of insurance (as a PDF file) as evidence.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through work.

Your policy should cover claims brought by:

  • all permanent employees
  • contract, casual and seasonal employees
  • labour-only subcontractors

Your policy should also cover claims brought by:

  • temporary staff, including students and people on work placements
  • volunteers, advisers, referees and marshals

Check with your insurer to make sure your employers’ liability policy covers everyone who works with your business.

Employers’ liability insurance usually covers the cost of compensation and any associated legal fees.

Do I need it?

Employers’ liability insurance is a legal requirement in many jurisdictions, For example, in the UK, if you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

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