Employers Liability Insurance

As an employer, you are responsible for the health and safety of your employees while they are at work. In the event your employees are injured or become ill at work, they may try to claim compensation from you if they believe you are responsible. Employers’ liability insurance can help you meet claims that you are legally liable to pay.

What is Employers Liability Insurance?

Employers’ liability insurance provides cover against claims by employees who have suffered an injury or illness in the course of their employment. The Employers Liability (Compulsory Insurance) Act 1969 (ELCA) makes it compulsory for employers to have employer’s liability insurance. You can download a full guide to the ELCA which includes details of what counts as an ’employee’ and organisations that are exempt from the ELCA.

How much cover do I need?

If you are required to take out employers liability insurance, you must be covered for at least £5m. Once you have taken out cover, you must display the insurance certificate in a place where your employee’s can view it. The Health & Safety Executive have the powers to fine your business up to £2,500 per day if you are not covered properly for this type of insurance.

Public Liability

Public Liability Insurance covers any awards given to a member of the public due to an injury or damage to their property caused by yourself or your business.
More about public liability

Product Liability

If you supply products to the general public you have a responsibility to make sure that they are safe – if you fail to do so, you can end up facing legal action.
More about product liability

liability insurance

If you would like a free quote for employer’s liability insurance call our team now on 01872 572 957 or complete the online enquiry form.