If you run a business and have someone working for you, regardless of whether they are voluntary, on contract or a temporary staff member, you are legally required to have employers’ liability insurance to protect both you and them. If you have a member of staff, you are responsible for their health and safety in the workplace, should they be injured at work, or become ill as a result of work, they may be able to make a claim for compensation against your business.
At any time, you could be asked to produce evidence of your employers’ liability insurance under the Employers Liability Compulsory Insurance Act of 1969. Earlier this year, a takeaway shop was fined £2,000, with costs of £2,360, for failure to produce an ELCI (Employers Liability Compulsory Insurance) certificate.
Not only is having employers’ liability insurance a legal requirement, but not having it could prove costly. Should one of your employees have an accident or become ill as a result of working for you, you would have to shoulder the burden of settling that claim yourself. In 2013, AXA Insurance calculated that their average workplace injury pay-out on behalf of a small business was £14,300.
For employees, knowing that you have the right employers’ liability insurance gives a sense of security, knowing that you are protected should something go wrong at work. Employers’ liability insurance is widely available from a range of leading insurance companies and payment plans are also available. So, there is no excuse for not being protected by this legally required insurance.
In addition to employers’ liability insurance, businesses must pay attention to their health and safety obligations. In the UK, there are a number of legal requirements in terms of health and safety, as well as fire safety which must be adhered to. For many businesses, it can be beneficial to have an external HR Advisor visit their workplace and carry out a workplace audit and an assessment of their health and safety standards, this should be done annually and a report completed with action points which the business should focus on.
Bringing your work premises up to the required health and safety standards is the single most effective thing you can do to protect your employees from harm. Additionally, it can be useful to offer an annual health and safety update for staff, reminding them of your business policies and their obligations regarding both their own health and safety and that of their colleagues. A HR advisor in Manchester will be able to conduct an audit and arrange suitable training for you and your staff.
Health and safety is an essential requirement in the modern workplace, and workplaces have never been safer places to be. Understanding your obligations towards your staff as a business, minimising potential health and safety risks and taking out employers’ liability insurance, will all help to make your business safe and secure for everyone.
For more information about HR Consultancy Services, HR Outsourcing or if you’re looking for a HR Advisor in Manchester offering advice or support, contact Triple Three Solutions today on 0161 300 1214, or visit their website https://www.triplethreesolutions.co.uk/