Employers’ Liability Insurance
Why do you need employers’ liability insurance?
If you employ staff, you're legally required to have employers' liability insurance in place.1 As an employer, you're responsible for ensuring your staff are safe and well; most importantly, that they don't get sick or injured because of the work they do for you. Despite your best efforts, if one of your employees suffers an injury or becomes ill and believes it's your fault, they may try to claim compensation from you.
- Workplace injuries
Between 2019 and 2020, 0.7 million workers sustained a non-fatal injury,2 and 142 were killed between 2020 and 2021 due to a workplace accident.
- Employee claims
Suppose an employee or volunteer – past or present – makes a claim against you. In that case, employers' liability insurance will protect you against legal costs defending a claim. It will also cover any compensation you may be required to pay.
- Health and safety inspections
If you're unable to provide your certificate of insurance along with other insurance details at inspection, you may be fined.1
How our liability experts can help
We have years of experience in arranging this cover for businesses of different sizes across various industries. Whether as part of a combined insurance package or a standalone policy, we can advise you on the level of cover that's right for your business and arrange the appropriate insurance.
CONTACT YOUR NEAREST EMPLOYERS' LIABILITY EXPERT
We have expert advisers throughout the UK here to help businesses like yours. To get help near you, whenever and however you need it, find your local office below.
Management liability insurance
You've worked hard to make your business a success. But in today's world of regulations and legislation, someone pursuing legal action could put your livelihood at risk. As a company director, you could be held personally liable. We're here to offer expert guidance to find the protection that's right for you and your business.
Professional indemnity insurance
We understand every business is different. Whatever your needs, our team of professional indemnity insurance specialists are here to understand the risks you face and arrange the right cover to protect you and your business.
Frequently asked questions
You may find you'll need employers' liability insurance cover to secure client contracts.
You need employers' liability insurance for all kinds of staff you employ. An 'employee' is not necessarily someone who you pay – it can be anyone under a contract of service. This may include volunteers or someone under your temporary control, whether on a contract or not, such as:
- 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.