Understanding Employers’ Liability Insurance with Lily’s Payroll
What is Employers’ Liability Insurance (ELI)?
UK law mandates that almost all employers have Employers’ Liability Insurance. This essential cover ensures that if an employee is injured or becomes unwell as a direct result of their work for you, they can receive appropriate compensation. It protects your employee and safeguards you from potential legal claims.
It is your legal obligation to have ELI in place by your employee’s start date.
Why is ELI so Important?
Our Recommended Partner:
Mark Bates Insurance
Lily’s Payroll has partnered with Mark Bates to offer a tailored Employers’ Liability Insurance policy specifically designed for household employers. They understand the unique needs of employing staff like nannies, housekeepers, and carers.
Key Benefits of having an Insurance Policy:
Real-Life claim examples
Back pain injury
Your employee sustains an injury (e.g., back pain) as a result of manual handling duties.
Workplace accident
Your employee slips, trips, or falls (e.g., over clutter on the floor or a wet surface).
Lifting injury
Your employee breaks a bone while lifting equipment. Insurance can provide fixed benefits (e.g., up to £500 for a broken bone).
