Employers' liability insurance
You must get Employers’ Liability (EL) insurance as soon as you become an employer - your policy must cover you for at least £5 million and come from an authorised insurer.
EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you.
You may not need EL insurance if you only employ a family member or someone who is based abroad.
You can be fined £2,500 every day you are not properly insured.
You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask.
Check to see if your insurer is authorised by looking at the Financial Conduct Authority register or contact the Financial Conduct Authority.
You may want to use an insurance broker to help you buy EL.
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Made Smarter is a national movement to drive growth amongst UK makers and advance the UK economy. Backed by world renowned businesses and the UK government, it will improve the development and adoption of emerging technologies. Making a real, everyday difference to people from the boardroom to the factory floor.
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