- Project plans
- Project activities
- Legislation and standards
- Industry context
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
- 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.
- 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
 External references
Featured articles and news
Guidance offered on COVID-19 green recovery, building safety and more.
Providing strength and support above the joists.
Enforcer will test and investigate product safety.
Underfloor air conditioning comes to 24 St James's Square.
Consultation on public right to buy unused public property.
IHBC resource offers improved consistency.
New laws to ‘retain and explain’ historic statues.
The principles and art of the possible. Book review.
From horse and cart to hypermarket.
How elements and processes work together in a systems approach.
CIOB offers digital guide to proactive methods of working.
Tech will drive professional development in fields tied to infrastructure.