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Employment liability insurance

Employers' liability insurance

In the UK, if you employ staff, it's a legal requirement to have employers' liability (EL) insurance in place. EL is generally added onto your general commercial insurance rather than offered as a policy in isolation.

Here at Marsh Commercial, we can arrange cover that gives you and your business peace of mind. We'll give you:

  • Confidence
    We know you're dedicated to delivering specialist services. You can be confident that we're committed to working with leading insurers on your behalf. We'll arrange appropriate cover – on competitive terms.
  • Expertise
    Our team have a wealth of knowledge in arranging commercial insurance for professionals. We take time to understand your business to ensure that the protection you have in place is suitable for the risks you face.
  • Service
    We're here for you when you need us – from providing tailored advice to walking you through the claims process. So, while you focus on supporting your clients, we're here to protect you, making insurance one less thing for you to worry about.

How our team of insurance experts can help you

We take time to understand the risks you face and advise how to manage them. We're here to make sure you have the right employers' liability insurance in place to protect you and your business.

Get in touch with a professional indemnity insurance expert

What cover does employers' liability insurance provide?

You're responsible for the health and safety of your employees. However, accidents can happen. Suppose you're found liable for illness or injury sustained by an employee as a result of the work they've done for you. In that case, you'll need EL cover in place to protect against compensation and legal fees, as well as crisis and public relations (PR) costs.

An EL policy covers all injuries; whether they happen suddenly, like a slip or trip, or develop over time due to the nature of a person’s work. A claim can be made while your employee works for you, or even after they leave your business. This might occur if symptoms only become apparent after a number of months.

If an employee claim ends up going to court, the compensation amount can reflect a number of different costs, such as medical costs, loss of income and legal costs.

Office Insurance

Office insurance

Having the right office insurance is essential to protect you against damage to your office premises or equipment, minimising the interruption to your business that could lead to loss of income.

Frequently asked questions

The cost of PI insurance varies depending on different factors, such as the level of cover you need, the number of people you employ, your annual turnover and the risks associated with your business activities. If you're found responsible for causing financial loss to your client due to an error or omission in the services you have provided, professional indemnity (PI) cover protects against legal costs and expenses involved in defending a claim, as well as compensation payable. Insurers do take cases to court, where it makes commercial sense. It's also important that they have the right legal advice to do this and that they stand a good chance of winning. For some professions, regulatory bodies make it compulsory to have PI cover in place to carry out their work. Other professionals must have PI as part of a contractual obligation, whilst many choose this cover because of the protection and security it provides if their advice or service delivered fails to meet a client's expectations. You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 millon. Your premium cost is usually based on several factors: the nature of your business, how many people you employ (and/or the payroll cost) and any previous insurance claims. In larger organisations, or where several employees are based in one location, increased limits are recommended. This depends entirely on the policy. You'll need to ensure that it provides adequate cover for your business's professional service and the risks you may face. PI insurance protects you if you are found responsible for causing financial loss to your client due to a professional error or omission. A PI policy covers legal costs and expenses you may incur defending a claim, as well as any compensation payable if you are found responsible. The increased cost of claims means that your professional indemnity insurance needs to be substantial to ensure the claims can be covered.