Southampton City Training will need to see a current copy of your organisation’s Employers’ Liability Insurance Certificate before you take on an Apprentice.
What is employers’ liability insurance?
Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible.
The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.
Employers’ liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. However, any injuries and illness relating to motor accidents that occur while your employees are working for you may be covered separately by your motor insurance.
Which insurance companies can sell me employers’ liability insurance?
You must use an authorised insurer. If you do not, you may be breaking the law. You should check that your insurer is authorised before you take out employers’ liability insurance.
Authorised insurers are individuals or companies working under the terms of the Financial Services and Markets Act 2000. The Financial Services Authority (FSA) maintains a register of authorised insurers. You can check whether a company is authorised by searching their register on www.fsa.gov.uk, or telephoning the FSA on 0845 606 1234.
What happens if I do not have employers’ liability insurance?
The Health and Safety Executive (HSE) enforces the law on employers’ liability insurance and HSE inspectors can check that you have employers’ liability insurance with an approved insurer for at least £5 million. They may ask to see your certificate of insurance and other insurance details.
You can be fined up to £2500 for any day which you are without suitable insurance.
If you do not display the certificate of insurance or refuse to make it available to HSE inspectors when they ask, you can be fined up to £1000.
This information is taken from the HSE Website. For a full guide to Employers’ Liability Insurance, please click here for the HSE official guide