Employers’ Liability Insurance
Why do you need Employers’ Liability Insurance?
Employers’ Liability Insurance is compulsory by law for most businesses. As an employer, you are responsible for the health and safety of any worker under a contract of service. If a worker suffers an injury or an illness that they believe is your fault, they may try to claim compensation from you.
- Workplace injuries
In 2016/17 over 679,000 workers sustained a non-fatal injury1 and 144 workers were killed in 2017/18 as a result of a workplace accident.2
- Employee claims
Employers’ Liability Insurance provides cover for claims made by past or present employees, volunteers, and the like.
- Health and Safety inspections
If you are unable to provide your certificate of insurance along with other insurance details at inspection, you may be fined.
How our liability experts can help
Whether arranged as part of a commercial combined insurance solution or in isolation, we have experience in arranging this cover for companies across most industries and of different sizes. We can advise you on the level of cover you may need within the appropriate insurance package for you.
CONTACT YOUR NEAREST EMPLOYERS' LIABILITY EXPERT
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Public Liability Insurance
If a serious accident occurs in-store, or because of faulty products, an investigation by health and safety authorities could arise. Public Liability and Product Liability Insurance provide protection for claims brought against you by affected parties.
Management Liability Insurance
You’ve worked hard to make your business a success. But in today’s world of regulations and legislation, an individual pursuing legal action could put your livelihood at risk. As a company director, you could be held personally liable. We can provide expert guidance to find a solution that best suits your business objectives.
Professional Indemnity Insurance
Whatever your needs, our team of professional indemnity insurance specialists can help cover you against the risks you and your business face. We understand that every business is different and we can recommend solutions to cover your business against a wide range of risks.
What our clients say
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Frequently asked questions
Employers' Liability insurance is compulsory by law for most businesses. As an employer, you are responsible for the health and safety of any worker under a contract of service. If a worker suffers an injury or an illness that they believe is your fault, they may try to claim compensation from you. Employers' Liability insurance provides cover for claims made by past or present employees, volunteers, and the like.
It is a legal requirement for most UK businesses to have employers' liability insurance. However, if you are:
- the sole director of your limited company, and
- own 50% or more of the shares, and
- have no employees
then employers' liability insurance isn't a legal requirement. You may find that it is a requirement by any client contracts you have to take employers' liability insurance cover out.
You need Employers’ Liability Insurance for all types of staff that work for you. Note that an ‘employee’ is not necessarily someone who is paid by you – this can be anyone under a contract of service including volunteers or any person under your temporary control, whether on a contract or not:
- full-time employees
- part-time employees
- voluntary workers
- seasonal staff
- contract staff
- labour only sub-contractors
- students or work placements
The latest liability articles
If you don’t have permanent staff with the skills you need, you might look to gig economy workers to support your business. If you are, you need to understand their changing legal rights.
There are numerous risks that can affect businesses in the foodservice, catering and hospitality industry. Find out what you can to protect your business and manage your risks.
What our clients say
It was clear there was a genuine interest and desire to help, combined with the perfect combination of forensic attention to detail and warmth of style. It was a tour to force in how business ought to be: thoroughly focused, thoroughly friendly and thoroughly genuine.