{"id":12273,"date":"2020-12-15T14:30:00","date_gmt":"2020-12-15T14:30:00","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=12273"},"modified":"2024-05-29T11:22:41","modified_gmt":"2024-05-29T10:22:41","slug":"why-charities-need-employers-liability-insurance","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/why-charities-need-employers-liability-insurance","title":{"rendered":"Why charities need employers’ liability insurance"},"content":{"rendered":"
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\"Employers'<\/figure>\n<\/div>\n\n\n

There\u2019s no two ways about employers\u2019 liability insurance for charities<\/a>. If your organisation has employees in any shape or form, you’re legally required to have it. Even if your workforce is just one person (other than you).<\/p>\n\n\n\n

The only exception is if your employee is a close relative. Say you set up a charity and then put your wife or husband on the payroll.<\/p>\n\n\n\n

It doesn\u2019t matter that you\u2019re a not-for-profit organisation rather than a business either. Under UK law, you still bear a legal responsibility to the people who put in the hours and make your charity tick.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Safety first<\/h2>\n\n\n\n

In reality, buying an insurance policy to cover your employees is the straightforward bit. Managing any potential risks to your workforce\u2019s wellbeing under the terms of the Health and Safety at Work Act 1974<\/a> is a little more complicated.<\/p>\n\n\n\n

Seeing as we\u2019re talking about legislation that dictates how things should work in the workplace, you\u2019ll need to know the ins and outs of the Act and act accordingly. It covers areas like:<\/p>\n\n\n\n