Employers’ liability insurance

• Employers’ liability insurance

All employers must have insurance covering their liability for injury or disease suffered by employees, including young people, during the course of their employment. This insurance is not required for employees who are closely related to the employer and work in a family business not incorporated as a limited company.

The insurer will issue a certificate of insurance and an up-to-date copy must be displayed at all places of business so that employees can see that insurance cover is in place.

Students on work experience placements should be treated as employees for the purposes of insurance.