Employers 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:
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.
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.
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.
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.
Frequently asked questions
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.
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