Employers liability insurance

Employers liability insurance is available simply to cover you against claims made against you by your staff in relation to any liability you may inccur.

The insurance will cover you if an employee is injured or dies or you are being sued by an employee of your company or in your employ.

An example below shows how you could be liable in a case where an employee is injured or dies under your supervision:-

An employee is preparing a wall to be painted using sanding equipment. You as an employer have no signs or have not informed the employee that he needs to wear safety or breathing equipment. The employee becomes ill from inhalation of a substance. You would be liable for a claim by this employee for negligence which could result in thousands of pounds being awarded.

Is employer's liability compulsory?

Employer's liability cover is a compulsory insurance that the law says you must have. If you do not have employer's liability insurance, health and safety executives could shut you down permanently.

Who needs employers liability?

Any company that has any employees needs employers liability insurance by law. If you have any employees then you will need employer's liability cover. Even if you are a limited company and have only one employee, i.e. the managing director, you are still required to have employer's liability cover by law.

Get a quote for employers liability insurance and make sure you are covered and legally trading today.