Property Owner Employers' Liability
Why do landlords need Employers’ Liability?
If you have employees, contractors, casual workers or temporary staff, you’re usually required by law to take out Employers’ Liability cover, to deal with any claims from employees who’ve been injured or become seriously ill as a result of working for you.
As a landlord this could mean cleaners, handymen, clerical staff or gardeners. Even if they are on short-term contracts, you'll usually be required to have Employers’ Liability insurance.
What is Employers’ Liability insurance?
Employers’ Liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It is a legal requirement if your business employs one or more people, with fines of up to £2,500 for every day that appropriate cover is not in place.
The Employers' Liability (Compulsory Insurance) Act 1969 (ELCA) makes it obligatory for employers to have Employers' Liability insurance. You can download a full guide to the ELCA here. This guide includes details of what counts as an 'employee' and organisations that are exempt from the ELCA. - for example, health service bodies and some family businesses.
Do I need Employers’ Liability cover for family members?
Immediate members of your family who work for you don’t count as employees for insurance purposes, this does not apply to family businesses which are incorporated as limited companies.
Do I need Employers’ Liability insurance if I don’t have any employees?
If you don’t have any employees you don’t need Employers’ Liability insurance (unless a contract explicitly requires it). However, make sure you fully understand how ‘employee’ is defined for the purposes of the legislation. If your company has more than one director or if you employ a certain type of subcontractor, you may be required to have Employers’ Liability insurance.
If you’re not sure if you need Employers’ Liability insurance, check the legislation or seek professional advice.
How do I get Landlord Employers’ Liability cover?
Landlord Employers’ Liability insurance is an optional cover with landlord insurance. You can get a landlord insurance quote online or speak to specialist insurance advisors on 0345 337 0006
Keep in mind
- Online policy is underwritten by RSA Insurance Group PLC.
- Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.