Construction liability insurance – do you have the right cover?

If you run a business in the construction industry, making sure you have the right liability insurance cover is vital. The latest figures from the Health and Safety Executive show that 50 construction workers were killed while at work in Great Britain in 2010/11 and there were nearly 3,000 major injuries. Employers liability insurance Employers liability insurance for £5,000,000 is a legal requirement if you have any employees, even if they are temporary or casual. Claims can be very … click to continue…

Do You Need Insurance For Subcontractors?

Liability Insurance for sub contractors

Recently I was asked to provide information on the liability insurance needed for subcontractors for a contracting company in Kent. This often seems to be an area of confusion for companies in the construction industry. Basically, it depends on whether your subcontractors are labour only subcontractors or bona fide subcontractors. Labour Only Subcontractors Labour only subcontractors work directly under your supervision and use materials, equipment and, possibly, tools that you have provided. They may use … click to continue…

Can You Buy Employers Liability Insurance On Its Own?

This is a question I was asked yesterday by a business owner who has just taken on an employee. The answer is no, not as a rule. Employers liability insurance is almost always offered as part of a combined liability policy, along with public and products liability, or as a section in a package insurance policy. The best way to decide how best to get employers liability cover is to speak to an insurance broker, … click to continue…

Employers Liability Insurance: does your business need it?

Businesses that employ people must have Employers Liability cover. By law such businesses are required to have insurance for at least £5 million. This applies even if your employees are only seasonal or part-time and includes students who work for you unpaid, people who are not employed, but taking part in a youth or adult training programme and school students on a work experience programme. Some of the reasons that a person who works in … click to continue…

Employers Liability Tracing Office

From April, most commercial insurers will have signed up to be members of the ELTO (Employers Liability Tracing Office) and, as a result, will not be able to renew any Employers Liability policy, or any business insurance policy such as Shops and Offices that include an Employers Liability section, unless they are in possession of the Employer Reference Number (ERN) – aka the Employer PAYE Reference –  for the employer/company being covered. The ELTO has … click to continue…