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Employees & Helpers

Please see below for our the most frequently asked questions we get for claims queries. If you can find the answer to your question please call our office on 01328 857921 alternatively you can submit a a contact form via our contact us forms.

I only have voluntary helpers?

Even if you only have voluntary helpers we would recommend that you hold Employers' Liability.

My helpers are self-employed, do I need Employers' Liability?

Yes, it is a legal requirement that you have Employers’ Liability to cover them in case they are injured. Even if somebody is not an official employee, they could still sue you if they suffer an injury whilst working under your instruction.

Can my friends help me?

Yes they can, however, it is a legal requirement to have Employers’ Liability cover in case they are injured. Even if somebody is a voluntary helper and not being paid, they could still sue you if they were injured whilst helping you

I've been asked to have somebody on work experience, do I need Employers' Liability?

We would recommend that you hold Employers' Liability in case of injury to the work experience and most schools or colleges will require you to hold this. However, in some cases they will only require you to hold Public Liability, please check with the organisation where the work experience will be coming from for their requirements.

What is an ERN number?

ERN stands for Employer Reference Number or PAYE number. Where you have employees and are registered with HMRC you will be supplied with this number. If you have an ERN number for your employees we will require this from you.