What is employers liability insurance?
Who needs employers liability insurance?
How much does contract cleaners employers liability insurance cost?
Advice and quotes for contract cleaners from GLEAMING INSURANCE.
Who needs employers liability insurance?
How much does contract cleaners employers liability insurance cost?
Advice and quotes for contract cleaners from GLEAMING INSURANCE.
What is Employers Liability Insurance?
Employers Liability Insurance is a form of insurance that protects the welfare of employees and provides them a route to obtain compensation in the event that they are injured at work. It protects the employer also from having to pay such claims. The cover is legally required by any UK business that employs staff or uses labour only sub-contractors.If you operate your business as a contract cleaner with staff then you must buy Employers Liability Insurance otherwise you will be breaking the law as well as risking your livelihood and the livelihoods of your staff.
Who needs Employers Liability Insurance?
To completely understand who needs Employers Liability Insurance you will need to read the Employers Liability (Compulsory Insurance) Act of 1969 which explains the legislation in detail. Whilst there are some exclusions in the act the general rule is that any business that employs staff, whether full or part time legally needs Employers Liability Insurance. That includes sole proprietors, partnerships and limited companies. In fact, if you are a director of a limited company and you have a fellow director then you must have Employers Liability Insurance as you are both classed as employees of the business.Sub contractors who work under your control and are paid a weekly or hourly rate are also generally classed as employees and need to be protected. If you are in doubt at all please give us a call on 0845 474 0068 and we will be happy to advise you on the covers you need.