What is employers’ liability insurance?
Employers’ liability insurance protects employers from financial losses that may occur if an employee experiences an injury or illness in the workplace and seeks to claim compensation.
It will also provide cover for legal costs and compensation claims.
What does employers’ liability cover?
Where options are selected, employers’ liability insurance can provide cover for:
- Compensation claims that have been made by an employee as a result of illness or injury in the workplace.
- Compensation claims made by work experience staff.
- Legal costs and expenses should you be required to defend yourself in court.
- Loss of income for each day spent in court.
Who needs employers’ liability insurance?
If your business employs one or more people then employers’ liability insurance is a legal requirement. The minimum level of cover required by law is £5 million and not having it can result in hefty fines, so it’s important to make sure you’re protected.
Protection for your business
Tailor your insurance policy to suit your business needs.
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If your business keeps stock on the premises, business stock insurance can protect it from damage, theft and loss.
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For a policy that’s tailored to your business, choose the cover you need from our panel of insurers.
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