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For more information about our new Employers' Liability capabilities, please contact Anthony Kashuba at anthony.
And having employers' liability insurance does not exempt them from taking precautions to protect the health and safety of their workers.
Rachel Cotton, MORE TH>N business manager, said: "It is clear from our research that businesses are not deliberately choosing to flout the law or forfeit cover, but that there is a general lack of understanding around the employers' liability legislation.
Small companies account for around 30pc of the employers' liability insurance market in terms of premiums and around 70pc in terms of number, however, it is not cost effective for insurers to assess the health and safety practices followed by individual small employers.
Part-time domestic employees, agricultural workers and emergency relief workers and others can also obtain workers' compensation and employers' liability insurance coverage by agreement between their employer and an insurance carrier.
The Department of Work and Pensions has announced that an Employers' Liability Insurance Bureau (ELIB) and dedicated certificate tracing office will be set up in a bid to protect employees injured in the workplace.
From April next year, it will be compulsory for firms purchasing Employers' Liability Insurance to supply their Employer Reference Number (ERN).
An Employers' Liability Insurance Bureau, similar to that of the Motor Insurance Bureau, is the answer.
Of particular concern is the revelation that 40 per cent of small businesses in the West Midlands - 10 per cent higher than the national average - could face legal action as they were unaware that temporary workers and sub-contractors must be covered under statutory Employers' Liability insurance.
More than 50,000 sole-traders are employing seasonal and part-time staff without adequate Employers' Liability (EL) cover and could be fined, according to a new report.
John Parker, Head of General Insurance for the Association of British Insurers, said, ``We estimate that these proposals will increase employers' liability insurance premiums by around 7pc.

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