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If you employ other people to work on your projects, you should consider employers’ liability. Whether you employ a camera assistant or makeup artist, if you have hired them then you have a responsibility for their safety at work.
What is employers’ liability insurance?
Employers’ liability insurance protects your business if for example an employee files a claim against you because they were injured or have a dispute as a result of working for you. So, if an employee brings a claim against you for any injury or illness caused to them whilst working for you or under your supervision, your insurer will cover your defence costs and possibly any compensation awards.
Do I need employers’ liability insurance for freelancers?
If you hire other freelancers, volunteers or have any other workers under your supervision, they may have employment rights against you. In such cases you should consider employers’ liability insurance.
Who is classed as an employee?
Any person normally resident in the United Kingdom of Great Britain and Northern Ireland, the Channel Islands, the Isle of Man or Republic of Ireland working for you in connection with your business who is:
- employed by you under a contract of service or apprenticeship
- hired to or borrowed by you
- a freelancer or self-employed and working on a labour only basis under your control or supervision
- engaged by labour only sub contractors
- a labour master or a person supplied by him or her
- engaged under a work experience or training scheme
- a voluntary helper.
Is employers’ liability insurance a legal requirement?
In short, yes. If you have hired someone, whether they are permanent or temporary, according to legislation you are legally obliged to take out employers’ liability insurance. However there are some exceptions, such as with family businesses, so do get in touch with our team with any questions if you are unsure.
What does Create employers’ liability insurance cover?
Below are the key areas that would be covered by your policy but, be sure to read over your policy for any exceptions or conditions.
- Compensation awards for claims against you if an employee brings a claim against you for any bodily injury caused to them whilst working for you in the UK, Northern Ireland, the Channel Islands, the Isle of Man or Republic of Ireland.
- If any governmental, administrative or regulatory body brings any criminal proceedings against you, Hiscox could pay the costs to defend you up to a limit.
- If any employee obtains a court judgment for damages following bodily injury against any company and that judgment remains unpaid for more than six months, Hiscox will pay to the employee at your request the amount of any unpaid damages and awarded costs.
Get employers' liability insurance from £84* a year
Protect your business and the employees that work for you for £84* a year.
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AGM House3 Barton Close
Grove Park, Enderby
Leicester
LE19 1SJ
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Create Insurance is a trading name of BHIB Limited. Registered office is AGM House, 3 Barton Close, Grove Park, Enderby, Leicester LE19 1SJ. BHIB Limited is registered in England and Wales number 829660. Authorised and regulated by the Financial Conduct Authority under registration number 116675. For more details you can check the Financial Services Register by visiting www.fca.org.uk. We are covered by the Financial Ombudsman Service. You can find out more at www.financial-ombudsman.org.uk.
*All premiums quoted include Insurance Premium Tax (IPT) at the prevailing rate
**Examples on this page are for illustrative purposes only and are based on the assumption of purchasing certain products and levels of cover
***Any insurance payments are subject to the terms and conditions of your policy
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