Employers' liability

Do you really need Employers Liability Insurance (EL)
What will happen then?


Employers' liability insurance (EL) is to cover the most misunderstood what is available to photographers today are confused between the rules and regulations surrounding it, and even the government is not safe! However, do not let that discourage you, and the Department of Health and Safety (HSE) to be fast enough to prosecute if they believe they should not be there and Lucan accident with someone who was helping you.

If you are not covered and you that it should have, it can be brought before the courts and judicial bodies - the maximum penalty is 14 years imprisonment and an unlimited fine, although this would be usually the result of an accident to a person who was helping. However, it may face a large fine, and will be excluded from the management of the insurance company just to get wrong. For an additional premium is not really worth it?

I really need?

First, if you are a husband and wife team, or their sons / daughters to attend, then it is usually necessary to cover the EL. If in doubt, then usually a good way to round them to ensure a partnership with you - and in this way are applied each cover them, just like you. The exception to this if you are a limited company with 2 or more of the managers who are working, then this should be the law of coverage, even if you are a husband and wife team under the responsibility of employers (compulsory insurance), 1969. Exception to this statutory requirement, a limited company with people who work only for those who is the director and the owner of fifty percent or more of the issued capital, the absence of any other persons providing any work in the company.

It is also common for employers responsibility is necessary if you have work experience students or volunteers to help you, even if the payment of any amount.

Do not be fooled - you can just be a "friend" to help you, and you do not receive any money, but if something happens to them, even if they try to prosecute you, and health and safety and can discuss this matter or the fact I have decided to police action because of neglect. Remember that in criminal law - the same assault, murder and arson!

Can be responsible in case of a person while following my instructions?

Of course you do! The easy way to determine the differences between public responsibility and EL (PL) use the example of the wedding. If you meet the couple and the family, and ask them to step back and one of them falls off the edge and injuring themselves to a claim under the civil liability. If the same thing happened to a student who is trained or assistant will be on the cover.

What is the definition of employee?

This is the question a million pounds, and confusion in terms of standards, for example, can be classified as a person helps you to pay "the price of the day" as an employee even though it is not responsible for taxes and social security contributions!

I was responsible for employee health and safety at work. And your employees can be injured at work, or that they or former employees as a result of their disease, while on the job. You could try to claim compensation if they believe they are responsible. Employers liability (compulsory insurance) of 1969 ensures that you have at least the minimum insurance coverage against any such claims.
In general, you may be sure that employers responsible for the person works for you if:

This is clear from the National Insurance and income tax money to pay them;
You have the right to control where, when and how they work;
They supply most materials and equipment;
You are entitled to any benefit to their workers, although you may choose to share this with them through the payment of the Performance Committee, or shares in the company. Similarly, you will be responsible for any loss;
The only person required to provide the service can not be used as a substitute if they can not do the job;
And treated the same way as other workers, for example, if you do the same work under the same conditions that employ people.

In general, you may not need employers liability insurance for people who work with you if:

They do not work exclusively for you (for example, if you work as an independent contractor);
They supply most of the equipment and materials they need to do the job;
Clearly at work for personal gain;
You can use an alternative if they are not able to do the work themselves;
It's not exempt from tax or national insurance. However, it can be classified even if a person is self-employed for tax purposes as an employee for other reasons, which may still need employers' insurance to cover liability.

These are guidelines only - you have to decide whether your situation matches any of these categories, but my advice is always to err on the side of caution when in doubt!

¿Can I buy insurance on their own EL?

In general, no. Expects most insurance companies cover the package with PL too - after all, you need both! In many cases, insurance companies are responsible not allow you to purchase any PL cover if you think you need it too. While you may find this annoying and, and the insured is actually helping you, as they try to avoid breaking the law!

It was a different advice from two different insurance companies, and this is correct?

There is no easy answer to this - can both be right! The believer does not understand the exact circumstances under which they operate. Thing to remember is that unscrupulous companies can say "no" to keep the premium low to ensure the safe for them! If you think you need, buy - and this is the best advice, or if they say they certainly do not need it - to get that write to you - you do it only if it is completely safe!