SmartPay Insurance

Employers Liability (EL)

The Employers’ Liability (Compulsory Insurance) Act 1969 states that all employers who have employees working in the UK must have a minimum of £5,000,000 EL cover. This is to ensure that there are always funds available, whether the employer can afford it or not, to compensate an employee for a genuine work related claim.

EL covers the Employer against compensation claims by employees for work related illness or injury where the employer is deemed to be responsible.

Claims in this area can be made in the future, for example, an exposure related illness related to an employees time in a workplace many years ago. For this reason, certificates of insurance must, by law be retained for a period of 40 years.

SmartPay provides £10,000,000 of EL cover for all employees. Many of the exclusions found in typical EL policy wording have been removed to ensure that the majority of professions are covered, these amendments are detailed within the EL Schedule.

Public Liability Insurance (PL)

PL covers companies and their employees against compensation claims by third parties for damage or injuries caused by workers.

PL insurance is different to EL, in that it provides cover for claims made by members of the public or other businesses, but not for claims by employees. While public liability insurance is voluntary, it is generally a contractual requirement to have suitable PL cover in place when contracting with an agency or client business.

An example of a PL claim would be, if a worker left a tool on the floor and a member of the public tripped over it and injured themselves, they would make a claim for compensation against the company’s PL insurance.

SmartPay provides £5,000,000 of PL cover for all employees. As with the EL cover many of the exclusions found in typical PL policy wording have been removed to ensure that the majority professions are covered, these amendments are detailed within the PL Schedule.

Specific Activity Exclusions (EL & PL)

The following specific activity exclusions will apply to the Employers & Public Liability policy:

  • Asbestos removal/disposal.
  • Air crew, where there are more than 6 individuals on any one flight.
  • Underground tunnelling, where there are more than 20 individuals at any one location.
  • Ships crew (other than in respect of outside contractors).

Additional Information Requirements (EL & PL)

If you carry out work within the fields below our insurers would need to consider further the type of work you conduct before confirming cover. We will need you to complete the questions within the Referred Activity Form. Failure to complete the questions within the form could mean cover will not apply in the event of a claim.

  • Pilots
  • Air crew
  • Underground/Mining
  • Ships crew
  • Pipe jacking/tunnelling
  • Oil and Gas (Offshore work)

If you are involved in any of the following on rigs;

  • Diving – offshore
  • Drilling
  • Structural work on oil rigs
  • Work affecting the flow of oil

Professional Indemnity Insurance (PI)

PI covers companies and their workers against compensation claims by third parties where mistakes have been made, or there has been negligence in the provision of some or all the services. The legal costs to defend any claim are also covered by PI.

A number of professions must have PI such as accountants and lawyers, and as with PL, it is generally a contractual requirement to have suitable PI cover in place when contracting with an agency or client business.

An example of a typical PI claim would be, if an engineer prepared structural drawings for the erection of steelwork, and it was subsequently alleged that the drawings contained errors requiring alteration. The claim would be for the costs incurred from the resulting delays in construction.

SmartPay provides £5,000,000 of PI cover including legal defence cover for all employees. As with the EL & PL cover many of the exclusions found in typical PI policy wording have been removed to ensure that the majority of professions are covered, these amendments are detailed within the PI Schedule.

Specific Activity Exclusions (PI)

The following specific activity exclusions will apply to the Professional Indemnity policy:

  • Independent Financial Advisor’s
  • The avionics/aviation industry where the claim relates to bodily injury, property damage or loss of revenue as a result of the aircraft being grounded
  • Medical Malpractice - for loss, damage, cost or expenses of whatsoever nature directly or indirectly caused by, resulting from or in connection with any medical or dental practitioner while working in a professional capacity.