Research conducted for Health and Safety Executive (HSE) in 2003 indicated that less than 1 per cent. of companies had failed to take out employers' liability (compulsory) insurance (ELCI). The research was carried out to investigate allegations that companies were having problems in obtaining ELCI, because of difficulties in the cost and availability. Due to the low overall level of reported non-compliance no attempt was made to assess regional differences.
With regard to insufficient ELCI, the law is specific about conditions in ELCI insurance policies. HSE is not aware of any complaints concerned with deficiencies in ELCI policies, nor of any prosecutions brought by HSE under the ELCI Act on the grounds of insufficiency.