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Last edited 11 Oct 2020
Employers’ liability insurance
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
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- Flood insurance.
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- Integrated project insurance.
- JCT Clause 6.5.1 Insurance.
- Latent defects insurance.
- Legal indemnities.
- Making sure your builder has appropriate insurance.
- Professional Indemnity Insurance.
- Public liability insurance.
- Residual value insurance.
- Single project professional indemnity insurance
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