Why you need it and how to get it
It is a legal requirement for most organisations who employ staff to have Employers' Liability Compulsory Insurance (ELCI).
Here you can find information on what ELCI covers, how to get it and what you should do with it. We have also provided a link to details of who is exempt from needing this insurance.
ELCI covers you against claims from employees who have been injured or become ill as a result of work. It does not however, provide total protection from liability.
If it is proven that you have been negligent then the insurer might try and claim back any compensation that was paid out. Your renewal premiums could increase too.
This is why it's important to also have a robust
health and safety policy in place that is adhered to and continually updated.
You should get ELCI cover for at least £5 million. You may need to have higher cover, depending on the level of risk created by your organisation.
Your insurance should be
Your ELCI certificate must be displayed in your workplace so that all employees have access to it.
You could be fined if you don't do this.
Although you legally don't need to keep expired certificates, we recommend that you do.
Some diseases can take time to develop. Keeping your certificates allows you to show you were covered during a previous time period, should you be pursued for compensation.
You can find out more about ELCI on the Health and Safety Executive (HSE) website, including details of who is exempt from needing this insurance.
Visit the HSE site for guidance on ELCI
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For information on workplace health, safety and wellbeing, you can speak to one of our specialist advisors.