Family Payroll

Employers' Liability insurance for Family Payroll members

contact us
Decorative image for Morton Michel's Employers' Liability insurance product for Family Payroll members showing young girl playing in toy house high-fiving childcarer, and the Family Payroll logo in a roundel.

Employers' Liability insurance for Family Payroll members

Our Employers' Liability insurance policy provides cover for you if you employ nannies, carers or domestic staff to work in your house.

Under UK law, all employees must be covered under an Employers' Liability policy. Our policy provides protection for damages and legal costs that arise as a result of claims from your domestic staff suffering an injury or disease arising out of their employment.

If you have household insurance, please check with your insurer or broker that you do not currently have Employers' Liability for Domestic Staff under your existing policy.

Exclusive Morton Michel Discount

Morton Michel is pleased to be working with Family Payroll to offer their members an exclusive discount on our Employers' Liability insurance policy. Request a quote now by completing the form below and a member of our customer service team will be in touch with you shortly. If your query is urgent, please call us on 0330 058 9861. 

Trustpilot

What's covered?

Our Employers' Liability insurance policy includes the following cover:

  • £10,000,000 Limit of indemnity (£5,000,000 for claims relating to asbestos or terrorism)
  • Cost of defending a prosecution - under the Health and Safety at Work Act or any UK corporate Manslaughter/Homicide Act.
  • Cost of representation - at any coroner's inquest or fatal accident inquiry
  • Compensation for attendance - at court as a witness
  • Unsatisfied court judgements - if an employee is injured at work by somebody else and the other person doesn't pay the court award

You will not be covered for:

  • Fines, penalties and putative awards.
  • Claims or circumstances that you are aware of that have been or should have been reported to a previous policy

Cover applies to England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands and elsewhere in the world for a temporary basis.

These are just some of the significant features, policy benefits, exclusions and limitations of the policy. Please see the policy summary guide for more details. Full terms and conditions can be found in the policy wording.

Important Notes Regarding This Policy

  • We are unable to backdate cover, or start a policy before payment has been received
  • Payment must be made in full, no instalments are available for this policy type
Family sitting in a meadow looking out at the view

Insurance for the family

Morton Michel policyholders can benefit from discounted insurance on the following leisure and lifestyle policies from our sister company, Thistle Insurance Services Limited. The discount code is available to Morton Michel policyholders in the Morton Michel ChildCare Club.

Please see the websites below for details of the products offered by Thistle Insurance Services Limited.