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You must get Employers’ Liability (EL) insurance as soon as you become an employer - your policy must cover you for at least £5 million and come from an authorised insurer.
EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you.
You may not need EL insurance if you only employ a family member or someone who is based abroad.
You can be fined £2,500 every day you are not properly insured.
You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask.
Check to see if your insurer is authorised by looking at the Financial Conduct Authority register or contact the Financial Conduct Authority.
You may want to use an insurance broker to help you buy EL.
You also need to make checks when you recruit and employ someone.
You need to register with HMRC so you can pay tax and national insurance for your employees.
Don’t include personal or financial information like your National Insurance number or credit card details.
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