Employers Liability Insurance

Employers’ Liability Insurance provides cover for any compensation claims lodged by an employee or volunteer who incurs injury or becomes ill whilst doing their work.

Any group or organisation with staff, needs to be aware of the responsibilities of being an employer. The mandatory duties of an employer, with paid staff, include:-

  • being responsible for the health and safety of their employees while they are at work. 
  • taking out Employers’ Liability Insurance

Even after carrying out a Risk Assessment and adopting a Health and Safety Policy and doing all your group can to prevent accidents, an employee may be injured at work or they (or former employees) may become ill as a result of their work while in your employment. They may believe that your group/organisation is in some way responsible, and try to claim compensation from you. 

The mandatory requirement for Employers’ Liability Insurance is set out under the  Employers’ Liability (Compulsory Insurance) Act 1969. This legislation will at least ensure that your group/organisation has a level of insurance cover against any compensation claims.

Other Community Toolkit Topics to look at:



Further sources of information

We are always interested in your views and experience of using the Community Toolkit. If you have any feedback or questions please complete our Feedback Form

The Community Toolkit is owned and maintained by Skye and Lochalsh CVO Conditions of Use
Last Updated 05/09/2012 14:34