Employee Liability insurance with no employees

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Keldin replied

2 October 2011, 10:34
Originally posted by psychocandy View Post

I'm with QDOS and I think that includes this as well?

That's actually not bad.
Thanks for that.

K
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Optimus Prime replied

20 September 2011, 22:07
Originally posted by TraceRacing View Post

AFAIK if you are the sole director / employee / grunt / owner there is no legal requirement for EL.

Who you gonna sue? Yourself?

What happens if you sue your own company that is operated only by you?

Can you get money out of the limited without paying CT? SCAM!
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psychocandy replied

20 September 2011, 13:39
I'm with QDOS and I think that includes this as well?
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Keldin replied

20 September 2011, 12:25
Originally posted by malvolio View Post

I get mine bundled in with the necesary PI and PLI for about fourpence extra.

How do you manage that? Any quote I look at it's the biggest cost of the 3.

K
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SueEllen replied

20 September 2011, 12:10
Originally posted by malvolio View Post

Unless you want to send in a subbie that you are tkaing on as an employee (it happens)...

I get mine bundled in with the necesary PI and PLI for about fourpence extra. But you can live without it; if it's in the contract, just strike that bit out.

If you are legally exempt from having it you have complied with the contract regulations so there is no need to strike it out.
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malvolio replied

20 September 2011, 11:36
Originally posted by Keldin View Post

Thanks thats sort of what I figured from them not offering it.
I would also assume that any contractual requirement to have it would be invalid?

Unless you want to send in a subbie that you are tkaing on as an employee (it happens)...

I get mine bundled in with the necesary PI and PLI for about fourpence extra. But you can live without it; if it's in the contract, just strike that bit out.
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Keldin replied

20 September 2011, 11:28
Thanks thats sort of what I figured from them not offering it.
I would also assume that any contractual requirement to have it would be invalid?
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TraceRacing replied

20 September 2011, 11:24
AFAIK if you are the sole director / employee / grunt / owner there is no legal requirement for EL.

Who you gonna sue? Yourself?
Leave a comment:
Keldin started a topic Employee Liability insurance with no employees

20 September 2011, 11:11
Employee Liability insurance with no employees

Anybody come across an inability to get Employee Liability cover?
I'm trying to sort out insurance cover and went through a couple of insurance search sites and came acrosss a bit of a problem.
They ask for the number of employees of the Ltd excluding directors. Since I'm a director that means zero.
In that case you don't get a quote for Employee Liability insurance.
So the only way for me to get cover is to falsify the information I'm giving the insurance company means I can't have this cover (which makes sense if there is no employees) or I'm lying on my application (not a good plan).
However most contracts now require Employee cover to the tune of a lot of zeroes (plus professional indemnity and public liability which is not a problem)

Is it the case that as a director with no other people earning a salary that you don't legally require this cover or am I missing something?

Thanks
K
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