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Section 08 / Supplier completes
Issued form · page 5Insurance and financial standing
Confirm legally required cover, record other cover held and disclose material delivery risks.
When this applies
RCDEN does not set one public, product or professional indemnity limit for every supplier. Additional limits and scope checks depend on the activity.
Help with this section
Open a question for help. The numbers match the printed questions and agreement clauses.
8.1(a)Employers liability insurance status
What to enter
Record whether employers’ liability cover is held, not held, or a lawful exemption applies. Do not assume that being a small company creates an exemption.
Where the UK statutory duty applies, EL is generally required with at least £5 million cover. A required but missing policy is an open compliance issue, not something an addendum can waive.
Where to find it / what to do next
- Find the current employers' liability certificate in your insurance documents, broker emails or insurer portal.
- Check the insured entity and policy dates. Reference the current certificate or ask the broker for a replacement copy.
- If you believe cover is not legally required, confirm the basis against the applicable guidance and your circumstances before selecting that answer.
Useful external help
Opens in a new tab so you can keep this question open.
- Check employers' liability insurance requirements (opens in a new tab)GOV.UK
The official starting guide to employers' liability cover and possible exceptions. Your insurer or broker can confirm the position for your organisation.
Public liability and employers' liability are different covers. Ask the insurer or broker to clarify an unclear policy; do not use a quote as evidence of cover already held.
8.1(b)EL evidence or legal exemption basis
What to enter
Reference current evidence identifying the insured legal entity and cover period, or explain the specific legal exemption relied on. Your broker can help confirm the position.
Where the UK statutory duty applies, EL is generally required with at least £5 million cover. A required but missing policy is an open compliance issue, not something an addendum can waive.
Where to find it / what to do next
- Find the current employers' liability certificate in your insurance documents, broker emails or insurer portal.
- Check the insured entity and policy dates. Reference the current certificate or ask the broker for a replacement copy.
- If you believe cover is not legally required, confirm the basis against the applicable guidance and your circumstances before selecting that answer.
Useful external help
Opens in a new tab so you can keep this question open.
- Check employers' liability insurance requirements (opens in a new tab)GOV.UK
The official starting guide to employers' liability cover and possible exceptions. Your insurer or broker can confirm the position for your organisation.
Public liability and employers' liability are different covers. Ask the insurer or broker to clarify an unclear policy; do not use a quote as evidence of cover already held.
8.2(a)Other cover held
What to enter
Tick other cover actually held. This records your present position; required extra cover and limits are agreed for the relevant work.
Where to find it / what to do next
- Use the current policy schedule or ask your broker which covers are in force for the contracting company.
- Tick only the covers held and reference the evidence. A renewal proposal or a cover you intend to purchase is not an active policy.
8.2(b)Other insurance evidence references
What to enter
Identify the current certificate, schedule or broker verification for the cover claimed. Provide additional limits and scope only when requested for the activity.
Where to find it / what to do next
- Use the current policy schedule or ask your broker which covers are in force for the contracting company.
- Tick only the covers held and reference the evidence. A renewal proposal or a cover you intend to purchase is not an active policy.
8.3Material financial issues affecting delivery
What to enter
Disclose an insolvency process, going-concern concern or other material financial issue likely to impair delivery. Use 11.1 for the effect and proposed mitigation. There is no routine request for full accounts from every supplier.
RCDEN may request proportionate financial evidence for a particular commitment. A new or audit-exempt business can propose appropriate alternative evidence; it should not invent an audited history.
Where to find it / what to do next
- Ask the director or finance lead whether any material financial issue could prevent delivery of the proposed work.
- If there is an issue, explain its likely effect and proposed action in 11.1. You do not need to attach full accounts unless they have been requested for a reason.
Useful external help
Opens in a new tab so you can keep this question open.
- Find your company on Companies House (opens in a new tab)Companies House
Search by name or company number. Open the company record for its registered details, filing history and people with significant control.
Public filing history may help locate existing accounts, but it does not replace your own current assessment of delivery risk.
This guide explains form v2.2. It does not amend the issued requirements or approve work, exceptions or information release. Use the external help to find records and understand the rules. For questions about RCDEN's requirements or the proposed work, use the contact in Section 1.2 and quote the question number.