Employers' Compulsory Liability Insurance
The Employers' Liability (Compulsory Insurance) Act 1969 has been brought up to date by the introduction of the Employers' Liability (Compulsory Insurance) Regulations 1998 which came into force on the 1st January 1999. The regulations require that all employers must have insurance to cover against their employees becoming injured at work due to an accident or illness as a result of the work they carried out. If the employee thinks that the responsibility for their injury or illness rests with their employer then they may seek legal action to gain compensation. The insurance is to ensure that any compensation claims can be met in full.

The insurance certificate gives the following information:

  • The name of the policy holder
  • The date of commencement of insurance
  • The date of expiry of the policy
  • The minimum amount of the policy. At present all liability insurance should be for a minimum of £5 million per accident
  • Where companies are part of a group the insurance policy may cover the whole group, if not it should say which parts of the group are covered.

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