Question 1

Is employers liability insurance a legal requirement?

Accepted Answer

Yes. Under the Employers Liability (Compulsory Insurance) Act 1969, most UK businesses with employees must hold employers liability insurance with a minimum cover of £5 million. Failure to comply can result in fines of up to £2,500 per day.

Question 2

Do I need employers liability insurance for volunteers?

Accepted Answer

Volunteers are not employees, so employers liability insurance is not legally required for them. However, many organisations extend cover to volunteers as a matter of good practice. We can advise on the options available.

Employers Liability Insurance