What is the purpose of Employers’ Liability Insurance and do I need to have it?
All employers must ensure that they have a suitable Employers Liability Insurance policy to protect themselves against claims made by employees. It is a legal requirement for all UK employers, under the Employers’ Liability (Compulsory Insurance) Act 1969. This cover is subject to the terms and conditions of the policy, please refer to the Enable Insurance Policy Wording and Enable Insurance Product Information Document. For further details click here.
Enable Insurance is a specialist policy designed for nanny employers and provides up to £10 million Employers Liability Insurance.
What is Public Liability Insurance and do I need to have it?
Public Liability Insurance covers compensation; and claimants costs and expenses if members of the public were to take legal action and make a claim against you. Enable Insurance includes up to £5 million public liability if an event connected to support duties accidentally causes bodily injury to any person, or damage to property not belonging to you and your family.
How much is the Enable Insurance policy?
The Enable Insurance policy costs £99 for 12 months cover (including Insurance Premium Tax).
What is the quickest way to apply?
Your application can be completed entirely online and is quick, easy and secure. Simply fill out our application form to get cover now!
Can I pay in monthly instalments?
No – Enable Insurance is an annual policy and therefore must be paid for in full when completing your 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.
How long does it take to process an application?
Cover will begin as soon as we receive your payment and you are issued 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 up to 30 days 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 (subject to no claims being made). 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 Employers Liability Insurance for a short time. Can I take out a short policy?
Our Enable Insurance policy is for 12 months, we unfortunately cannot provide short term policies. If you only need Enable Insurance for a short time, you can cancel your 12 month policy and we will issue a refund according to our cancellation policy – please see our Terms of Business for details of our cancellation procedure.
Am I covered for more than one employee?
The policy does not specify a limit as this would be dictated by employment law. As long as you are fulfilling your legal requirements there is no limit on the number of employees you can have.
Am I still covered if I take my nanny abroad?
The policy provides cover if you take your nanny abroad with you on holiday for up to 30 days per trip 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 Employers’ 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?
If an event occurs during the period of cover resulting in an injury to your employee which was not immediately apparent then the policy holder can still look to make a claim.