Employers' Liability will protect you if one of your employees claims against you for an injury or illness that they suffered while working for you that they feel is down to your negligence. This claim can relate to an injury or illness that occurred on or off-site. If you employ volunteers, you can still select this cover.
For example: An employee is injured whilst using some of your sports equipment to train a client and then they want to claim against you.
Do you need Employers' Liability Insurance?
As Employers' Liability is a legal requirement you will need to be sure if you do or do not need Employers' Liability. You can be classed as employing people who are self-employed, sub-contractors or even volunteers.
You are likely to need to arrange EL Cover if any of the following are true:
1. You deduct national insurance and income tax from the money you pay a worker
2. You have the right to control where they work and how they do it
3. You supply their work materials and equipment
4. You have the right to any profit your workers make, even if you choose to share it with them through commission, profit share etc.
5. You require that person specifically to provide the service and they cannot employ a substitute if they are unable to work
6. They are treated in the same way as other employees e.g. they do the same work under the same conditions as someone else you employ
Further details can be found at https://www.gov.uk/employers-liability-insurance.
