November 28, 2011 19:00 ET

Swinton Commercial Advises Businesses to Make Sure Temporary Staff Are Covered This Christmas

MANCHESTER, UNITED KINGDOM--(Marketwire - Nov. 28, 2011) - With Christmas less than five weeks away and Santa's little helpers looking for the chance to earn some extra pennies, Swinton Commercial insurance is advising businesses to make sure they are covered for extra help during the holidays.

December is the busiest time in the retail calendar and the time when businesses are most likely to take on temporary staff to share the workload. It's important to make sure you are covered for additional staff under your current policy, as failing to do so could result in you finding seasonal goodwill in short supply.

Whether you take on paid or voluntary staff during the Christmas period, whilst working for you, temporarily or otherwise; they are your responsibility, both legally and morally. The health and safety of your seasonal assistants is considered as important as your permanent staff, so if they are injured or get ill whilst working for you, they could deem you liable and make a claim against you for damages.

Most employers are required by law to be insured for at least £5 million. However, you should look carefully at your risks and liabilities, as well as the amount of additional staff you are taking on over the winter months and consider whether you need insurance cover of more than £5 million.

Jolene Shaw, Technical Referral Advisor at Swinton Commercial, said: "If your business already has employer's liability insurance, we'd recommend letting your insurer know you're taking on extra staff, as the more employees you have, the greater your Employers' Liability risk."

"If your business is part of a group, a policy for employers' liability insurance can be taken out for the group as a whole. In this case, the group as a whole, including subsidiary companies, must have cover of at least £5 million. The policy will also need to note the subsidiary companies on the trading title and within the policy."

"You should also bear in mind that the legal requirement for employers' liability is £5 million, however most insurers will provide cover up to £10 million as standard."

Joelene added: "If you don't have employers' liability insurance and you are required to have it by law, this should be sought immediately. The insurance itself is such a small price to pay compared to the large financial implications of not having cover."

For more information, contact Mairead Rodden, Geraldine Vesey or Anna Goulding at SKV Communications on 0161 838 7770 or email firstname.surname@skvcommunicatons.co.uk.

About Swinton Commercial:

As the UK's fastest-growing commercial insurance broker, Swinton Commercial has the expertise and industry knowledge to provide you with highly competitive business insurance that's tailored to your needs.

With 33 branches across the UK, including 19 regional centres, Swinton Commercial has quickly established itself as the UK's local broker, offering a dedicated team of advisors with specialist industry knowledge in all sectors.

Your local Commercial Account Executive has an in-depth understanding of the insurance market in your area and will arrange a face-to-face appointment with you, taking the time to thoroughly understand your business and its specific requirements.

We cater for most types of business - from small start-ups to well-established organisations, comparing quotes from leading UK insurers to find you the right level of insurance, at the right price.

What's more, our award-winning offering has over 75,000 business customers - and we're growing fast.

Visit www.swintoncommercial.co.uk for more information or call 0800 995 1800.

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