Employers Liability Insurance

Employers Liability Insurance is a type of insurance policy that provides financial protection to businesses against claims made by employees for injury or illness sustained as a result of their employment. In most countries, employers are legally required to have this coverage.
Here are some of the key features of Employers Liability Insurance:

  1. Protection against employee injury claims: The policy provides coverage for claims made by employees for injury or illness sustained as a result of their employment.
  2. Coverage for legal defense costs: The policy covers the cost of legal defense in the event of an employee injury or illness claim, including the cost of hiring attorneys and paying court costs.
  3. Financial protection: The policy provides financial protection for businesses in the event of a successful employee injury or illness claim, including payment for compensation and damages.
  4. Compliance with legal requirements: In most countries, employers are legally required to have Employers Liability Insurance, and failure to comply can result in fines and other penalties.
  5. Policy limits: Employers Liability Insurance typically has policy limits that determine the maximum amount the insurer will pay in the event of a claim.

It's important to carefully review the coverage options and policy limits of Employers Liability Insurance to ensure that the policy meets the needs of your business. An insurance professional can help you assess your risks and determine the appropriate coverage for your business. Employers Liability Insurance is an important consideration for businesses of all sizes, as it can help protect them against financial losses arising from employee injury or illness claims.

Standard cover

Necessary employers’ liability insurance

It is a legal requirement in the UK to have employers' liability insurance if you have any staff. This cover protects them from loss or injury while carrying out work for you. If you have any full or part time staff, volunteers, interns, contracted or freelance workers, it’s your responsibility to have the correct cover in place.

Cover for up to £10 million for employers’ liability claims

Should an employee injure themselves as a result of your business you could be liable in a compensation claim against you. Our employers’ liability insurance covers up to £10 million for any one claim. Of course, not many businesses can afford this kind of claim which is why employers' liability insurance is a legal requirement to protect your employees

What does employers' liability insurance cost?

Premiums are either based on a per capita basis or estimated annual wages/salaries. Our premiums start from as little as £250 and we cover employees who work from their own premises or on your customers' premises or whilst temporarily abroad for non-manual sales visits. Manual work abroad can be considered on application. In fact, as a specialist commercial insurance broker we can find you cover for literally thousands of professions and business models.

Business insurance packages

Employers' liability is not generally bought in isolation and typically it will be arranged along with your Public Liability insurance. For high street shops, restaurants and offices, employers’ liability cover will be included within the basic cover section under a package policy. We specialise in business insurance of many kinds and can tailor you a policy to include public, products and employers’ liability as well as business insurance protection for your assets and property.