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What you need to know
What is employers liability insurance
Do I need employers liability insurance
Some best practices for employers liability insurance

Employers liability insurance helps protect you against the cost of compensation claims arising from employee illness or injury, a result of working for you.

Employers liability is required by law in the UK, not having this can be fined up to £2,500 each day without cover. You must be insured for a minimum of £5 million, however, you will find that most insurers offer a minimum cover of £10 million.

If you have employees outside the UK, you don’t need to cover them, you also don’t need the insurance if only family members that work for you, but do need for full and part time staff.

Certificate must be clearly displayed where employees can see it.

The best advice for reducing the premiums of employers liability insurance is to have good health and safety practices.

It’s also wise to keep hold of all expired certificates, in the case of an ex-employee making a claim against your, it would then show that you were covered at that time.

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