Employer's Liability (Compulsory Insurance) Act 1969
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The Employers' Liability (Compulsory Insurance) Act 1969 (c. 57) is a UK act of Parliament which requires that employers carry
insurance Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect ...
against the
personal injury Personal injury is a legal term for an Injury (law), injury to the body, mind, or emotions, as opposed to an injury to property. In common law, common law jurisdictions the term is most commonly used to refer to a type of tort lawsuit in which the ...
of their employees.


Content

The insurance that employers must take out is referred to as Employer's Liability Compulsory Insurance (sometimes referred to as "ELCI"). As well as being insured, employers must post details of the insurance for staff to see. This requirement applies to most companies; exemptions include public organisations and certain
micro Micro may refer to: Measurement * micro- (μ), a metric prefix denoting a factor of 10−6 Places * Micro, North Carolina, town in U.S. People * DJ Micro, (born Michael Marsicano) an American trance DJ and producer * Chii Tomiya (都宮 ...
companies. Under section 5, offenders can be sentenced, on summary conviction in a
magistrates' court A magistrates' court is a lower court where, in several Jurisdiction (area), jurisdictions, all criminal proceedings start. Also some civil matters may be dealt with here, such as family proceedings. Courts * Magistrates' court (England and Wales) ...
, to a fine of up to level 4 on the
standard scale The standard scale is a system in Commonwealth of Nations, Commonwealth law whereby financial Criminal law, criminal penalties (Fine (penalty), fines) in legislation have maximum levels set against a standard scale. Then, when inflation makes it nec ...
(£2,500).


Employers' Liability Tracing Office

The Employers' Liability Tracing Office (ELTO) is an independent UK agency set up to provide insurance claimants and their representatives with online access to a database of Employers' Liability Insurance policies, so that people suffering from a disease/injury caused at work with a former employer can identify who provides their insurance. It is organised as an independent, not-for-profit
company limited by guarantee A company limited by guarantee (CLG) is a type of company where the liability of members in the event the company is wound up is limited to a (typically very small) amount listed in the company's articles or constitution. Most have no share ca ...
and funded by a levy. It was established in 2011 and is based in
Milton Keynes Milton Keynes ( ) is a city status in the United Kingdom, city in Buckinghamshire, England, about north-west of London. At the 2021 Census, the population of Milton Keynes urban area, its urban area was 264,349. The River Great Ouse forms t ...
. ELTO replaced a previous voluntary Employers' Liability Code of Practice (ELCOP) tracing service, which had been in place since 1999. In February 2011, the
Financial Services Authority The Financial Services Authority (FSA) was a quasi-judicial body accountable for the regulation of the financial services industry in the United Kingdom between 2001 and 2013. It was founded as the Securities and Investments Board (SIB) in 1985 ...
published regulations concerning the way that insurers and intermediaries record employers' liability policy data.Financial Services Authority
PS 11/4: Tracing Employers' Liability Insurers
February 2011, accessed 2 August 2018


Working abroad

The act does not require compulsory insurance against illness and injury suffered by employees working abroad. ''Reid v Rush and Tompkins Group Plc'' (1989) established that there is no requirement to advise employees to obtain insurance for themselves:


See also

*
UK labour law United Kingdom labour law regulates the relations between workers, employers and trade unions. People at work in the UK have a minimum set of employment rights, from Acts of Parliament, Regulations, common law and equity (legal concept), equity. ...
*
English tort law English tort law concerns the compensation for harm to people's rights to health and safety, a clean environment, property, their economic interests, or their reputations. A "tort" is a wrong in civil law, rather than English criminal law, crimi ...


Notes


References

{{Reflist Liability insurance United Kingdom Acts of Parliament 1969 United Kingdom labour law 1969 in labor relations Employers Organisations based in Milton Keynes