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Employers' Liability Compulsory Insurance (ELCI) is a legal requirement for most businesses that employ staff. It covers you against claims from your employees who are injured or become ill as a result of their work.
The insurance certificate is renewed annually and must be displayed in your workplace where all your staff can see it (you could be fined even if you possess a certificate but it is not displayed).
Unless you don't have any employees, are a public organisation or a family business, this is almost certainly a 'must have'. Even some family businesses that are limited companies do require ELCI.
HSE guidance on ELCI (external link)
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