Where Service Still Means Something
Please call me back
If you have any questions or wish to
discuss your requirements with one of
our senior brokers, please call us
directly on 01708 855141 or e-mail
Ian Hensby or Jodie Still.
Employers Liability Insurance — Increasingly needed in todays litigious UK
Employers Liability Insurance — don't get caught out!
All small business do there best to limit the possibility of any injury or illness to their employees resulting from work, but if they do have an accident or become ill, your business could be sued for compensation under your employers’s liability insurance. Please Note businesses in the UK that employ staff are legally obliged to have employers’ liability insurance to provide cover against a claim from an employee*.
Employers’ liability insurance can be bought as a combined policy with Public Liability.
Why have Employer’s Liability Insurance.
- In most cases if you have employees, employers’ liability insurance with cover of at least £5 million, is a legal requirement and you could be fined if you’re not covered
- ‘No Win No Fee’ legal services which help employees claim compensation may increase the likelihood of a business experiencing an employers’ liability claim if they suffer an accident or illness which they think has been caused as a direct result of their work.
- Your employers’ liability could be triggered even if the employee is a voluntary or self employed but working under your supervision
- The legal compensation costs of defending your business against an employers’ liability claim could significantly damage your business
What Does Employer’s Liability Insurance protects you and your business against?
- Legal and compensation costs if you are sued by a member of your staff if they believe their work has caused them injury or made them ill
- Covers any person working for you in connection with your business even if they are voluntary help or self employed
- Claims for Injuries or illness caused by terrorism are also covered
- It can be Part of a COMBINED LIABILITY Policy and include public liability insurance that covers compensation you may have to pay a client, contractor or member of the public due to accidental injury or property damage
Even the most trivial accident such as tripping over a computer cable at work could trigger an employers’ liability claim from an employee. Employers’ Liability Insurance can ensure your business meets unforeseen legal and compensation costs. The emploers’ liability policy is only available to purchase alongside our public liability insurance which covers claims made against your business from members of the public.
* The law states most employers must have Employers’ Liability Compulsory Insurance. However, you may not need it if you have no employees, are a family business and closely related to your staff, or a public organisation (for example, a government department or a health service body)