The definition of 'employee' in the arts can vary widely; it's important to consider insurance for freelancers, volunteers, managers... Your staff are your greatest asset - and you have a duty of care to keep them safe and well at work.
Employers' Liability Insurance is mandatory for companies in the UK. It's designed to protect you from costs arising from your liability for employee injuries or illness arising in the workplace.
- An employee falls or trips at work because of loose carpet or cabling? - the injury prevents them from working for several weeks during which time you have to pay sick leave as well as hire-in a temp to cover them
- An employee wins a court case against you? - you're now liable to pay damages and their legal fees, on top of your own
- An employee makes a mistake while working which results in injury? - but you're found liable because you didn't provide adequate H&S training
- You forget to take out cover for a summer intern joining your team? - and get fined £2,500 for every day they worked
Cover can include:
- Legal costs
- Compensation due
- Court attendance compensation
- Claims for injury and disease - including those caused by terrorism
- All employees - including volunteers working for you