Classifying An Employee

The definition of an employee is anybody you have on your premises who is assisting you in your work. It may be on a part-time basis, a full-time employee, a student on a work experience course, a self- employed sub-contractor, a person working on a trial basis to see if they are suitable and even voluntary workers. They are all technically employed by you, because they are under your instruction and working on your premises.

You may be exempted from having Employers Liability Insurance where all your business' employees are close relatives and the business itself is not incorporated as a limited company. Similarly, companies where the owner is the sole employee, and owns at least 50% of the company's issued share capital may well also be exempt.

You should check if you are not certain about whether this applies to you or not.

Need more information about Employers Liability Insurance? Follow the link to find out more about Employers Liability Insurance on the page dedicated to this product.