Employers liability insurance to cover company secretary?

[mickael28]

It's been the case since 2011 when I had to investigate it.

You do need Employers Liability Insurance by law if the employees of your company aren't family members.

Although reading the info above it seems that Employers Liability was even required when the only employ was a family member? so not sure if that was not correct before, something has changed since then, or I'm not understanding the links I posted correctly where it seems this insurance is nor required...

Previously it was mentioned:

Employers Liability Insurance is legally required in some potentially unexpected circumstances – for example, where a Limited Company contractor employs their partner/spouse to carry out clerical work or bookkeeping for the business.

[SueEllen]

I suggest you refer to the Act itself or a neutral party rather than a company selling insurances take on it. The Health and Safety executive have information explaining it in simple terms if you Google their website. Google something like "employers liability insurance health and safety executive" and you should get a link to a PDF explaining it.

Btw Depending where you get your insurance from and what insurances you have you are likely to find the price of employers liability insurance very small. I buy mine with public liability cover and office contents away from home insurance covering the whole of Europe. Removing the EL from it saved something like £10. There is also no need to buy all your business insurance from one provider as while it's easier it is not always cheaper.

[TheCyclingProgrammer]

Although reading the info above it seems that Employers Liability was even required when the only employ was a family member? so not sure if that was not correct before, something has changed since then, or I'm not understanding the links I posted correctly where it seems this insurance is nor required...

Previously it was mentioned:

You do not need EL if the employer is a family member.

This does not apply to a limited company as it is the company who is the employer, not a family member.

In other words it's only sole traders or partnerships who employ family members who do not need EL.

[mickael28]

You do not need EL if the employer is a family member.

This does not apply to a limited company as it is the company who is the employer, not a family member.

In other words it's only sole traders or partnerships who employ family members who do not need EL.

Thanks for that clarification, I was misunderstanding that.
I got a call from the insurance company to clarify now and what you mentioned, sole traders don't need EL in that case, but limited companies are required by law even when it's just a family member helping with the bookkeeping.

Thanks!

[TheCyclingProgrammer]

Thanks for that clarification, I was misunderstanding that.
I got a call from the insurance company to clarify now and what you mentioned, sole traders don't need EL in that case, but limited companies are required by law even when it's just a family member helping with the bookkeeping.

Thanks!

I've had the same misunderstanding myself before.