Employers’ liability insurance
To help develop this article, click 'Edit this article' above.
Employers’ liability (EL) insurance is compulsory for all employers under the Employers’ Liability (Compulsory Insurance) Act. All firms who employ staff are legally required to hold employers liability Insurance.
All employers must get employers’ liability insurance as soon as they become an employer. The policy must cover them for at least £5 million and come from an authorised insurer. Employers can check to see if their insurer is authorised by looking at the Financial Conduct Authority register or by contacting the Financial Conduct Authority.
Employers can be fined £2,500 every day they are not properly insured. Employers can also be fined £1,000 if they do not display their EL certificate or refuse to make it available to inspectors when they ask.
 Related articles on Designing Buildings Wiki
- 3D animation for insurance risk analysis.
- Building Users' Insurance Against Latent Defects.
- Contractors' all-risk insurance.
- Contract works insurance.
- Directors and officers insurance.
- Flood insurance.
- Insurance for building design and construction.
- Integrated project insurance.
- Latent defects insurance.
- Legal indemnities.
- Professional Indemnity Insurance.
- Public liability insurance.
- Residual value insurance.
 External references
- Government, Employers' liability insurance.
Featured articles and news
Read about Belgrade's Brutalist landmark - the Western City Gate.
Read about the measures that can be taken by individuals to protect and minimise exposure to outdoor sourced air pollution.
Government announces leaseholds on new-build houses will be banned.
Transport Secretary announces public consultation into London's funding of Crossrail 2.
Have a look at some of the most impressive concert stage designs of all time, including Pink Floyd, U2, Rolling Stones, and more...
What is the Home Quality Mark? Find out how it can help you when buying/renting a new home.
Business Secretary launches £246m Faraday Challenge to establish UK as world leader in battery technology.
Government announces new plans for regulations to improve safety and security awareness of drone users.
Read our introductory article to the various different types of fuel.
IHBC book review: Charles Barry’s monumental struggle to rebuild the Houses of Parliament.
Read about RSHP's British Museum extension which has been shortlisted for the 2017 Stirling Prize.
Read our introductory article to building a house extension.
More updates from DCMS about the large-scale testing of cladding systems and the number of buildings affected.
UandI secure resolution to grant planning consent for major new regeneration project.