Is employers' liability insurance compulsory?
ELCIA 1969 — all employers must hold minimum £5m cover; certificate displayed at workplace; HMRC enforces; fine of up to £2,500 per day for non-compliance
What if your employer has no insurance?
Claim against employer directly; if employer is solvent this is viable; court judgment enforceable against employer's assets; if employer insolvent without insurance — limited options; Motor Insurers' Bureau equivalent does not exist for EL
What are your practical options?
Check ELTO database first; confirm no policy; instruct solicitor to pursue uninsured employer; register as creditor in insolvency proceedings; consider whether CICA applies if assault involved
Can you report the employer to the HSE for having no insurance?
Yes — ELCIA enforcement is with HMRC; can also report to HSE; employer prosecution possible
Related questions
What if my employer refuses to give me their insurance details?
You can search the ELTO database (elt.co.uk). You can also make a formal pre-action letter requesting insurance details.
Is there a compensation fund if my employer has no insurance?
Unlike motor claims (where the MIB exists), there is no equivalent fund for uninsured employers in standard personal injury cases. The Diffuse Mesothelioma Payment Scheme covers asbestos cases only.
Can you claim? Find out in four quick steps.
Enquiries may be referred to SRA-regulated UK solicitor firms where appropriate. No win, no fee is subject to solicitor assessment of your individual case.
0800 000 0000Where did the accident happen?
Pick the setting closest to your situation.
Sources
- ELCIA 1969
- ELTO (elt.co.uk)
- Mesothelioma Act 2014 (DMPS — asbestos only)
This answer is editorial information about UK law. It is not legal advice and does not create a solicitor–client relationship. For advice on your circumstances, speak to a regulated personal-injury solicitor.