Telephone iconCall UsTelephone icon0333 0146 683
Our opening hours
Chevron left icon
Knowledge centre

Employers’ liability insurance certificate: what it is and when you should display it

2-minute read

Jade Wimbledon

26 October 2016

Facebook iconTwitter iconLinkedIn icon

Our quick guide to employers’ liability insurance certificates will help you understand your obligations under health and safety legislation.

What is an employers' liability insurance certificate?

An employers’ liability insurance certificate is a document from your insurer that shows your company has employers’ liability insurance. It shows the level of cover and the details of the insurer. Employers are legally obliged to display this certificate so that all employees can see it.

  • Guide to the Employers’ Liability Act

An overview of employers’ liability insurance

Employers’ liability insurance covers compensation claims made by employees for injury or illness caused by their work. For example if an office worker tripped over a trailing cable and hurt their back, or if a tradesman fell ill due to long-term exposure to construction dust, they could claim compensation from their employer. The employers’ liability insurance could cover the legal fees and compensation costs.

Under the 1969 Employers’ Liability (Compulsory Insurance) Act, most employers are obliged to have at least £5 million of employers’ liability insurance. Your business can be fined up to £2,500 each day you don’t have insurance. Some businesses are exempt, including public organisations, some family businesses, and some companies with all workers based abroad. Check the legislation or seek advice if you think you may be exempt.

Displaying your employers’ liability insurance certificate

The law requires you to display your employers’ liability insurance certificate so that all of your employees can access it. In the past you had to provide a hard copy, but in 2008 the legislation was amended to allow businesses to display their certificate electronically.

Whether you decide to display a hard copy of the certificate or you decide to save it electronically, you must make sure all of your employees know where the certificate is and can access it. For example, you could display the certificate in the staff room or the kitchen, or you could save it to your company’s intranet if it’s accessible to all employees.

If your policy is altered or renewed, remember to replace the previous employers’ liability certificate with the new version.

Receiving your employers’ liability insurance certificate

When you buy your employers’ liability insurance, your insurer will send over your policy documents, which should include your employers’ liability insurance certificate.

If you buy your employers’ liability insurance from Simply Business, we’ll send you an email with a secure link to your policy documents, including your employers’ liability certificate. You can print it off to display it in hard copy, or save a digital copy somewhere your employees can see it. Remember to communicate its whereabouts to all your staff, and to tell new employees where they can find it when they join.

What the employers’ liability certificate should include

When you receive your certificate from your insurer, make sure that it shows the following information:

  • The level of cover: This is the maximum amount that the insurer will pay out for a claim. The law requires you to have at least £5 million of cover, but most providers (including Simply Business) offer £10 million as standard.
  • Company covered: The insurance certificate should clearly show which company (or companies) are covered by the insurance policy.
  • Name of insurer: The certificate also needs to show the name of the insurer providing the policy, and should be signed by a representative of the insurer. The company providing your insurance should be authorised and regulated by the FCA.

If you have any questions about employers’ liability certificates, ask us in the comment section.

Looking for employers' liability cover?

As the UK's biggest business insurance provider, we specialise in employers' liability insurance. We'll run you a quick, tailored quote right now online, and let you decide if we're a good fit.

Start your quote

We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer

Find this article useful? Spread the word.

Facebook icon
Share
Twitter icon
Tweet
LinkedIn icon
Post

People also liked

20 January 20162-minute read

The Employers’ Liability Act

Today we're taking a closer look at the legislation behind employers’ liability insurance . Read on for an overview, free of the baffling…

Read more

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter

Categories

Popular articlesBusiness resources from FarillioGeneral businessGuestInsuranceLandlordLandlord resources from FarillioLegal and financeMarketingNewsOpinionProperty maintenanceTradesmanCovid-19

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.