Frequently asked questions...

Have any questions?

We have assembled together those that are frequently asked that may save you the trouble.

What if my insurance requirements change?

Your policy can be amended to fit your new demands and needs even after it has been taken out.

What if something about my business changes?

Your policy will need to be reviewed and amended to incorporate the new changes. By not amending it with your changes, you run the risk of invalidating any future claims made.

Who checks that I’ve got Employer’s Liability cover?

The Health and Safety Executive (HSE) is responsible for enforcing the law on employers’ liability insurance.

What will I need to show the HSE?

When you take out a policy you will receive a certificate of employers’ liability insurance. You will need to make these certificates available to health and safety inspectors on request.

You must display a copy of your employers’ liability certificate where employees can easily read it and keep copies for at least 40 years or risk a fine of up to £1,000.

What are the consequences if I do not have it?

Aside from the lack of compensation protection for employees, under the Employers Liability Act you or your company can face fines of up to £2,500 a day if it does not have a current and legal employers’ liability insurance policy in place. You can also be fined £1,000 for not displaying the certificate where it can be seen by employees.

Who can you provide Insurance for?

  • Sole traders
  • Partnerships
  • Limited companies

Do I need to fill out any forms?

No, everything is done by an online declaration and this is what the policy is based on.

What do I need to look out for when obtaining a policy?

As a rule check that the general policy conditions suit your business and that you are covered for the right things. Also make sure that you have read any endorsements that are provided with the quotation which may exclude certain circumstances or business activities.

When do I get my insurance documents?

Once you have made payment they are available to download immediately.

Is there an excess if I need to make a claim?

Yes, your policy schedule which will detail each deductible next to the sums insured

If you have any specific questions that we have not covered, please drop us an This e-mail address is being protected from spambots. You need JavaScript enabled to view it - we will be delighted to help with your query.

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