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Employers are responsible for the health and safety of their employees while they are at work. By law, an employer must have Employers Liability insurance and be insured for at least £5 million.
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Employers Liability Insurance | If one of your employees sustains an injury from falling debris, this insurance is there to cover their claim. |
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Property Insurance | Cover for property for insured events such as fire, lightning, flood, or loss. |
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Directors & Officers Liability Insurance | To cover legal defence costs and compensation awards, if you are personally sued as a result of company business. |
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Motor Insurance | If your business owns a car and uses it for commercial purposes, you'll need Commercial Car Insurance. |
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Professional Indemnity | Protect your business against claims by a client for loss or damage if you are negligent or make a mistake. |
Employers' Liability insurance enables businesses to meet the costs of damages and legal fees for employees who are injured or made ill at work through the fault of the employer.
What's Your Business?
Which Insurance?
Employers' Liability Insurance
Do I need Employers' Liability Insurance?
Employers are responsible for the health and safety of their employees while they are at work. By law, an employer must have Employers Liability insurance and be insured for at least £5 million. Employers Liability insurance must cover all employees in England, Scotland, Wales and Northern Ireland.
What is Employers' Liability Insurance?
Employers' Liability insurance enables businesses to meet the costs of damages and legal fees for employees who are injured or made ill at work through the fault of the employer. The NHS can also claim the costs of hospital treatment when personal injury compensation is paid.
How much does it cost?
You must be insured for at least £5 million, although in practice most insurers offer cover of at least £10 million. However, you should look carefully at your risks and liabilities and consider whether you need more insurance cover; bear in mind that the £5 million minimum level of cover includes costs, so you may wish to purchase cover of more than this. The HSE is responsible for enforcing the law on this cover, and you can be fined up to £2,500 for each day that you do not have appropriate insurance.
What other insurances should I consider?