{"id":2409,"date":"2012-11-15T14:16:05","date_gmt":"2012-11-15T14:16:05","guid":{"rendered":"http:\/\/www.policybee.co.uk\/blog\/?p=2409"},"modified":"2023-10-25T09:40:47","modified_gmt":"2023-10-25T08:40:47","slug":"employers-liability-and-christmas-workers","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/employers-liability-and-christmas-workers","title":{"rendered":"Employers’ liability insurance and Christmas workers"},"content":{"rendered":"
\n
\"Temporary<\/figure>\n<\/div>\n\n\n

Christmas is just around the corner and very soon Santa\u2019s little helpers will be looking for a chance to earn some extra pennies.<\/p>\n\n\n\n

If you\u2019re after an additional pair of hands at this busy time, or you\u2019ve been asked to help a friend with some work experience for their youngster, it\u2019s a good opportunity for your business to make the most of the increased workforce. And all for relatively little outlay, too.<\/p>\n\n\n\n

A word of warning though: cheap or free labour at Christmas comes with a caveat. If you\u2019re not properly prepared when taking on more (or indeed any) staff, you could find the seasonal goodwill in pretty short supply. That’s why you need to put temporary worker insurance on your list.<\/p>\n\n\n\n

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

Mistletoe and fines<\/h2>\n\n\n\n

You might not be aware of this but the welfare of anyone working for you, paid or unpaid; temp or permanent, is your responsibility<\/strong>. Both legally and morally.<\/p>\n\n\n\n

For the time they\u2019re with you, the health and safety of your seasonal assistants is considered as important as your permanent employees. Common sense, sure, but it goes a little deeper than that.<\/p>\n\n\n\n

You\u2019re controlling when and where they work, and supplying the materials and equipment they use. If they\u2019re injured or get ill while working for you, they could say it’s your fault and claim against you for damages. If they do, the law will consider them as your employees.<\/p>\n\n\n\n

And so, as an employer, (and to protect both you and your staff) you need to have employers\u2019 liability insurance<\/a>. The Employers\u2019 Liability (Compulsory Insurance) Act 1969 says you should have it \u2013 and you can be fined \u00a32,500 for any day that you don\u2019t.<\/p>\n\n\n\n

There are some exceptions, however, and in certain cases temporary worker insurance needn’t be a concern for you. If you\u2019re not absolutely certain you need it, have a read of the HSE\u2019s guide for employers<\/a>.<\/p>\n\n\n\n

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

Temporary worker insurance for peace of mind<\/span><\/h2>\n\n\n\n

If your business already has employer\u2019s liability insurance<\/a>, we\u2019d recommend letting your insurer know you\u2019re taking on extra help. You never know \u2013 they might carry a risk that your insurers should be aware of. Making sure they\u2019re in the loop keeps them happy and your business covered.<\/p>\n\n\n\n

Christmas can be an expensive and stressful time of year: don\u2019t make it any worse by cutting corners where temporary worker insurance is concerned. Yule be sorry if you do \u2026<\/p>\n\n\n\n

Image used under license from Shutterstock. <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Christmas is just around the corner and very soon Santa\u2019s little helpers will be looking for a chance to earn some extra pennies. If you\u2019re after an additional pair of hands at this busy time, or you\u2019ve been asked to … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,132],"tags":[297,137,143,140],"class_list":["post-2409","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-small-business-advice","tag-christmas","tag-insurance-explained","tag-rules-and-regulations","tag-running-a-business"],"acf":[],"yoast_head":"\r\nTemporary worker insurance for seasonal staff<\/title>\r\n<meta name=\"description\" content=\"You have a duty to protect temporary staff in the same way as permanent employees. 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