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Employer’s FAQ



What is the purpose of Employer’s Liability Insurance and do I need to have it?

Employer Liability Insurance (ELI) protects employers should their employees become injured or unwell as a result of their job. ELI is a legal requirement and all employers must have a minimum of £5 million indemnity to cover them in the event of claim by an employee. Enable Insurance policies provide up to £10 million indemnity for extra peace of mind.

What is Public Liability Insurance and do I need to have it?

Public Liability Insurance (PLI) covers the insured in the case of legal action brought by members of the public. This insurance covers liability due to bodily injury or property damage. We believe strongly that is a good idea for all employers to have PLI in place particularly if the work undertaken involves interaction with the public outside of the home. That is why we have included it in the Enable insure policy as standard with up to £5 million indemnity.

What does ‘Limit of Indemnity’ mean?

This is the maximum amount payable by the policy in respect of an insured claim arising from a single cause or event.

How much is Enable Insurance Service's ELI policy?

Our standard 12-month policy is £99 (including Insurance Premium Tax).

What is the quickest way to apply?

Via our online application form. It's quick, easy and completely secure.

Can I pay in monthly instalments?

Unfortunately, no. Enable Insurance is an annual policy and must be paid for in full upon application.

How do I pay?

Payment is made by credit or debit card and is taken securely via Sage Pay after you have completed the online application. A receipt will be provided by Sage Pay at the end of the process.

How long does it take to process an application?

Cover will begin as soon as payment is received and you are issued with your policy number.

Can my policy be backdated?

No. Your policy must commence from the date of purchase or a future date.

Can I apply for my policy in advance of when I want it to start?

Yes. You can apply for your policy in advance and set a date to coincide with your nanny starting.

Can I cancel my policy if I no longer need it?

Yes. If you cancel within 14 days of taking out a policy, you will receive a full refund. If you cancel after 14 days of taking out a policy, you will receive a pro-rata refund for each complete month remaining on the policy.

I only need ELI for a short time. Can I take out a short policy?

Our standard ELI policy is for 12 months; we unfortunately cannot provide short policies. If you only need ELI for a short time, you can cancel your 12-month policy and we will issue a refund according to our cancellation policy for each complete month where you have not been covered unless a claim has been made within in the current year then no refund of premium will be due.

Am I covered for more than one employee?

Our policy will cover you for up to 5 employees

I may take or send my employee abroad. Am I still covered?

Yes, you will still be covered if you take your nanny abroad with you on holiday for up to 30 days during the period of cover.

I share my nanny with another family and she sometimes looks after all our children at the same time. Whose insurance will cover her?

The employer in control of the work environment will be liable in the event of an accident resulting in a claim. Both families should therefore have Employer’s Liability Insurance in place.

What happens if an employee has an accident or illness during the period of my policy but no claim is brought against me until months or years later when I may no longer have the policy in force? Am I still covered?

Yes, if an event occurs during the period of cover resulting in an injury to your employee which was not immediately apparent they have up to three years to make a claim.




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