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Insurance Policies

 

Employers Liability Insurance

 

From £4.58 (Per Month)

Employers Liability Insurance
Contact Qdos Contractor:0116 269 0999
 
 

From £4.58 (Per Month)

 

Employers Liability Insurance

 
What is Employers' Liability Insurance?

Employers Liability reacts in the event of a compensation claim by an employee where they have suffered injury, illness, or accidental death as a result of their employment with you. It is designed to enable employers to meet their liabilities should an employee make such a claim.

A claim can be made on Employers Liability insurance, sometimes referred to as EL insurance, after the policy has lapsed, the policy must simply be in place at the time of the incident or cause that gave rise to the claim. E.g. an employee working with asbestos may not develop symptoms of asbestos-related diseases until 50 years later. If the employer had a suitable employers' liability insurance policy in place at the time the employee was exposed to/worked with asbestos, they can still claim against the policy if/when the employee claims compensation some time later.

 
What does Employers' Liability Insurance Cover?

The policy is designed to protect you and your business, and ensure you can meet your obligations as an employer by insuring the costs of defending a claim from an employee, past or present, where they have suffered an illness, injury, or accidental death as a result of their employment with you, as well as the damages for which you may be found liable.

 
Do I need Employers' Liability Insurance?

Employers Liability Insurance is compulsory under the Employers Liability (Compulsory Insurance) Act if you employ one or more workers, whether they are fee earners, clerical, or otherwise.

For sole traders, Employers Liability is not a legal requirement if your only employees are close family members such as a spouse or civil partner, however this exemption does not extend to limited companies.

If you are a ‘Ltd’ Company, you are the only employee and you own at least 50% of the issued share capital of the company, you will not be legally required to hold the policy. Often contracts however, particularly standardised agency contracts, will stipulate the policy as a contractual requirement alongside Public Liability. It may be worthwhile checking with your agency/end client the genuine requirement of the policy if this applies to you. Public Liability however, is a basic insurance for all self-employed individuals looking to insure their business.

 
Why Qdos?
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Free IR35 Contract Assessment Included(when both Public and Employers Liability insurances are purchased only)
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Documentation issued immediately for instant cover
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One of the most competitive premiums on the market
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Competitive rates for offshore workers, including rope access
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The Company

 

About us

Why Qdos?

 

We offer Public and Employers Liability policies for a range of trades, including those working offshore in high risk roles such as rope access, at highly competitive premiums. Every combined policy includes a free IR35 contract assessment so you can ensure you start your contract on the right footing, and our online application takes a matter of minutes with documentation issued instantly. Unlike many other brokers, we don’t hide our premiums until you've provided your details, as we are confident that our premiums, service and product are best in the market.

 

Our History

 

Qdos began in 1988 as a tax consultancy business and has grown significantly over the past two decades, providing expert business services, products and advice. Over the years, Qdos has grown in both size and reputation as a trusted contractor insurance broker as well as an expert tax advisor. Our aim is to provide UK contractors with the assistance and service with IR35 issues they need as well as sustaining excellent quality and competitive premiums in the contractor insurance market.

  • Customer Reviews

    I HIGHLY RECOMMEND QDOS. THEIR CUSTOMER SERVICE IS EXCELLENT, HELPFUL AND RESPONSIVE TO YOUR NEEDS.
    Ravi Mal - Trusted Qdos Customer
    Customer Reviews
  • Customer Reviews

    EXCELLENT SERVICE. SWIFT, ACCURATE DESCRIPTION OF WHAT WAS BEING ARRANGED, WITH QUICK SET UP AND GOOD PRICE. WILL BE BACK NEXT YEAR.
    John Diamond - Trusted Qdos Customer
    Customer Reviews
  • Customer Reviews

    THE STAFF WERE KNOWLEDGEABLE AND HELPFUL AND THE FOLLOW-UP CUSTOMER SERVICE WAS REALLY EXCELLENT. WOULD DEFINITELY RECOMMEND!
    Irene Theochari - Trusted Qdos Customer
    Customer Reviews
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Employers Liability

 

Additional Info

Please note that Qdos Employers Liability Insurance cannot be purchased in isolation and is only available where Qdos Public Liability Insurance is purchased. The policy documents below are therefore also for Public Liability Insurance policies.

Policy Excess: NIL (for the Employers Liability element only)

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(inc. Insurance Premium Tax as applicable)

**(+ VAT @ 20% on checkout)

One-off £23.00 charge applied for monthly payment

Please note: Review products are not included in the monthly premium

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