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Advice, News & Know-how

Employers’ Liability Insurance

Find out who needs employers' liability insurance, what is does, and how you can be fined by the Health & Safety Executive for not having it.

Also get a heads up on why it's important to cover your volunteers and work experience people too.

How are insurance premiums calculated?

Feel like your insurer is just pulling numbers out of thin air? Exactly how are insurance premiums calculated? Here's what you need to know.

How to dismiss an employee fairly

As with most things, there's a right and a wrong way to fire people. Here's how to dismiss an employee fairly, and why getting it wrong can cost you dear.

Employers’ liability insurance and Christmas workers

You have a duty to protect temporary staff in the same way as permanent employees. Don't, and you could find the seasonal goodwill in short supply.

Why do you need to know so much about me?

For the sake of balance, we thought we'd explain why we need certain bits of information. And what can happen if we don't have it when it matters.

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In defence of continuous insurance

For those a bit hazy on the details, continuous insurance is a type of policy that only stops when its cancelled. Sounds obvious but here's why that's a good thing.

Why does my employer reference number matter?

Some insurers are considering cancelling their customers’ employers’ liability cover where they don’t have a corresponding ERN.

New health and safety risk assessment tool

If you’re not already aware, the law says that all businesses must complete a health and safety risk assessment. A new online tool from the HSE can help.

What’s an insurance excess?

An insurance excess is the amount you pay towards a claim. Usually, the higher your excess, the lower your premium (and vice versa). But not always ...