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What's covered with 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. Insurers will issue an employers liability certificate noting this cover. Whilst you no longer have to display this certificate, you must ensure that it is available should anyone ask to see it. In addition, each certificate will need to be kept for 40 years.

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Compensation claims

Compensation claims that have been made by an employee as a result of illness or injury in the workplace, including claims made by work experience staff

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Legal expenses

Legal costs and expenses should you be required to defend yourself in court

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Loss of income

We'll pay for your loss of income for each day spent in court

What is employers' liability?

Employers Liability is the legal liability of an employer for injury caused to an employee whilst acting in the course of their employment. If your organisation has any employees then by law you are required to have this cover. The minimum limit required legally is £5,000,000, however, the market standard is £10,000,000.

Who needs employers' liability insurance?

If your business that 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 could result in hefty fines, so it’s important to make sure you’re protected.

Who needs employers' liability insurance?

Why Endsleigh for employers' liability insurance?

With over 25 years' experience providing insurance for businesses, our specialist UK based commercial insurance team can shape the right solution for you. We work closely with leading commercial insurers to provide you with flexible insurance options that are tailored to suit your business needs.

Optional extras with employers' liability insurance

Public liability insurance
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Protection for your business if a customer injures themselves or their property is damaged as a result of your business operations.

Business equipment insurance
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If your business relies on any special equipment, business equipment insurance can protect it from damage, theft and loss.

Business stock insurance
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If your business keeps stock on the premises, business stock insurance can protect if from damage, theft and loss.

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