Rank: Forum user 
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Hello Everyone. I've recently been sent the insurance certificate through our head office for display in reception. I notice however that it is a certificate of Commercial General Liability cover which i don't think is the same as Employers liability cover which is the compulsory one to display, right?
I also notice that the limit is $1million which seems a little low (don't most people go for £10 million)?
Thanks
Alex
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Rank: Super forum user
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I assume you are working for an American company? This is their equivilant (as far as I am aware). The UK rules are very clear that you must have a minimum of £5m across your policies, so they would need to add at least £4.25m (at today's exchange rate) to meet with UK legislation on a separate policy. I would suggest they just take out Employer's Liability through a UK broker for the minimum £5m so they don't have to worry about currency swings. Remember "You can be fined up to £2500 for any day which you are without suitable insurance. If you do not display the certificate of insurance or refuse to make it available to HSE inspectors when they ask, you can be fined up to £1000."
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Rank: Super forum user
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Rank: Forum user
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At the moment I'm hoping someone has just sent the wrong certificate since I've located an old one from 2018 that is clearly entitles Employers liability and has a £5million limit. Edited by user 18 October 2019 12:37:49(UTC)
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Rank: Super forum user
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Employers Liability Insurance is a legal requirement under the Employers’ Liability (Compulsory Insurance) Act 1969. It is intended to make sure that companies can pay compensation to employees if they are injured due to the employer’s negligence (noting the special case of Employer’s Liability (Defective Equipment) Act 1969). In the US the situation is different. Each state has a local workers compensation scheme which is administered by a “quasi-judicial “board or commission. This body does not (usually) look at liability, they just state that if you get a particular injury you are entitled to a certain level of compensation. Your insurance company then pays this fixed level of compensation. This is not, usually, the same as Commercial General Liability Insurance
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 2 users thanked A Kurdziel for this useful post.
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Rank: Forum user
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We're not actually a US company, but yes, the company is based abroad.
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Rank: Super forum user 
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$1M seems light for Public & Products liability as well where it would typically be £10M Someone buying on price rather than required cover?
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Rank: Super forum user
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$1M seems light for Public & Products liability as well where it would typically be £10M Someone buying on price rather than required cover?
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Rank: Forum user
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