Severity: 8192
Message: Optional parameter $c declared before required parameter $eEncrypt is implicitly treated as a required parameter
Filename: controllers/Pages.php
Line Number: 66
Backtrace:
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Optional parameter $p declared before required parameter $eEncrypt is implicitly treated as a required parameter
Filename: controllers/Pages.php
Line Number: 0
Backtrace:
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 132
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 292
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 166
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 235
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 315
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 356
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 282
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 294
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 304
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 317
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 375
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 110
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 143
Backtrace:
File: /home/roiwestminster/WIROICI/application/core/MY_Controller.php
Line: 7
Function: __construct
File: /home/roiwestminster/WIROICI/application/controllers/Pages.php
Line: 9
Function: __construct
File: /home/roiwestminster/public_html/index.php
Line: 315
Function: require_once
€5,000,000 cover Include up to 3 employees Can be added to existing policies No overseas cover Have protection in place straight away Other optional extras include; cyber and data liability, office contents, personal accident and portable business equipment. Can only be purchased with our 'Combined Professional Indemnity, Public Liability and Medical Malpractice' coverEmployers Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.
In accordance with the Employer's Liability (Compulsory Insurance) Act 1969, Section 2, if you have 'employees' then it is a legal requirement to have a minimum of €5 million of employer's liability insurance. Failure to have this insurance in place can result in a fine of €2,500 for every day you are not insured.
It is very important to understand the definition of 'employee' in relation to this insurance. It is not only people with whom you have a written employment contract.
Extract from http://www.legislation.gov.uk
For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.
The Employer Liability insurance provides €5 million cover which we has been selected as the most appropriate to meet the needs of our customers.
The cost per employee is: €65 + tax
Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.
Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.
The answer to this question will depend on whether you:
1. want to get a quote for Professional Indemnity, Public Liability and Medical Malpractice policy including Employer Liability cover, or
2. already have an existing policy with us and would like to add Employer Liability cover
Answer 1
We are a fully automated process and provide all the information needed for you to make an informed decision on-line.
A quotation is available 24/7 on-line. Click on the ‘Get a Quote’ button. That will take you through the questions necessary to provide a quotation. It shouldn't take more than a few minutes and once produced you have the option to save it for later or proceed directly to purchase.
If you choose to proceed to purchase, we will collect your contact details and then request payment. Payment is by Credit or Debit Card and once authorised your policy is issued immediately. Your documents will be emailed to you for you to print and/or save.
Answer 2
If you would like to see the cost of adding this to your existing policy you can find the details on the Cost tab of the Employer Liability page. If you wish to go ahead, simply contact us by email or phone for us to arrange this with you.
Again, two options here:
1. If you are obtaining a new insurance policy with Employer Liability add-on, you will be able to choose payment by monthly instalments.
2. If you want to add this cover mid-term, you will be required to pay the whole amount of the add-on product.
Employers Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.
In accordance with the Employer's Liability (Compulsory Insurance) Act 1969, Section 2, if you have 'employees' then it is a legal requirement to have a minimum of £5 million of employer's liability insurance. Failure to have this insurance in place can result in a fine of £2,500 for every day you are not insured.
As a sole trader working solely on your own then you do not need EL Insurance.
However, if you have employees or anyone who would be regarded as an ‘employee’ for the purposes of this insurance then you would be subject to the same regulations.
Yes, you can add this additional protection to your existing policy at any time during the period of cover. We refer to this as a 'mid-term' adjustment.
Simply contact us by phone or email and we will arrange this with you.
Once you have added an additional area of cover to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.
Out of hours messaging service if you need us urgently
Copyright ©2018 Westminster Insurance Ltd Authorised and regulated by the Financial Conduct Authority for regulated business conducted in UK and Eire.
Specialist in fully automated on-line insurance delivery to customers in UK, Eire, USA and Canada. Your resource partner to deliver high quality, cost efficient, fully automated insurance direct to the customer by Internet anywhere in the world, on your behalf.
Comprehensive - Competitive - Convienient
