Employers' Liability Insurance
Employers' Liability Insurance
What is Employers' Liability Insurance?
By law, if you’ve got staff (that includes apprentices, sub-contractors, casual labourers and temporary workers), you must have employers’ liability insurance. Employees fall ill, or get injured as a result of being on the job? By law, you need £5 million protection minimum.
A legal requirement under the Employers' Liability Act 1969. It's there to protect your employees if they get injured or become ill as a result of working for your business.
How much does employers' liability insurance cost?
Cost of Employers' Liability Insurance differs dependant on your specific business activity. We would identify and disclose this cost with you during your FREE quotation call with one of our specialist advisors.
What does Employers' Liability cover?
Employers' Liability Insurance can pay the compensation amount and legal costs if an employee, or an ex-employee, claims compensation for a work-related illness or injury. Employers' liability insurance covers full-time and part-time employees, any self employed contractors you hire, temporary staff, apprentices and volunteers or work experience personnel.
Does employers' liability insurance cover staff working from home?
With all that has changed in the working climate, you may be wondering if there’s a need to have employers’ liability insurance if your staff are working from home. Well the answer is yes. As your responsibility, if your staff are injured or their property is damaged while working for you – by a faulty chair you’ve provided or tools they’re using – you could be liable for any costs on a claim.
Can you give me a typical example of an employers' liability claim?
It doesn't matter how safe and responsible you believe you are as an employer, workplace injuries and accidents do happen. An electrical engineer could be injured carrying out work with the correct tools. A cleaner could trip on a wet floor. Or perhaps a construction worker on your site falls from a poor constructed scaffolding. Whatever happens, you are better to be safe than sorry. The protection your employees need may be cheaper than you think. See it as an investment against future risks and claims costs.