Employee Liability insurance with no employees

[Keldin]

Anybody come across an inability to get Employee Liability cover?
I'm trying to sort out insurance cover and went through a couple of insurance search sites and came acrosss a bit of a problem.
They ask for the number of employees of the Ltd excluding directors. Since I'm a director that means zero.
In that case you don't get a quote for Employee Liability insurance.
So the only way for me to get cover is to falsify the information I'm giving the insurance company means I can't have this cover (which makes sense if there is no employees) or I'm lying on my application (not a good plan).
However most contracts now require Employee cover to the tune of a lot of zeroes (plus professional indemnity and public liability which is not a problem)

Is it the case that as a director with no other people earning a salary that you don't legally require this cover or am I missing something?

Thanks
K

[TraceRacing]

AFAIK if you are the sole director / employee / grunt / owner there is no legal requirement for EL.

Who you gonna sue? Yourself?

[Keldin]

Thanks thats sort of what I figured from them not offering it.
I would also assume that any contractual requirement to have it would be invalid?

[malvolio]

Thanks thats sort of what I figured from them not offering it.
I would also assume that any contractual requirement to have it would be invalid?

Unless you want to send in a subbie that you are tkaing on as an employee (it happens)...

I get mine bundled in with the necesary PI and PLI for about fourpence extra. But you can live without it; if it's in the contract, just strike that bit out.

[SueEllen]

Unless you want to send in a subbie that you are tkaing on as an employee (it happens)...

I get mine bundled in with the necesary PI and PLI for about fourpence extra. But you can live without it; if it's in the contract, just strike that bit out.

If you are legally exempt from having it you have complied with the contract regulations so there is no need to strike it out.

[Keldin]

I get mine bundled in with the necesary PI and PLI for about fourpence extra.

How do you manage that? Any quote I look at it's the biggest cost of the 3.

K

[psychocandy]

I'm with QDOS and I think that includes this as well?

[Optimus Prime]

AFAIK if you are the sole director / employee / grunt / owner there is no legal requirement for EL.

Who you gonna sue? Yourself?

What happens if you sue your own company that is operated only by you?

Can you get money out of the limited without paying CT? SCAM!

[Keldin]

I'm with QDOS and I think that includes this as well?

That's actually not bad.
Thanks for that.

K