Get employers liability insurance

Get employers liability insurance
- Over 1,000 different business types covered
- Customise cover to meet your needs
- Add, remove or cancel cover at any time
Employers’ liability insurance covers you and helps you to protect your employees in case one of them is injured or becomes ill as a result of the work they do for your business. You are legally required to take out this cover if you employ one or more people.
You must take out employers’ liability insurance if:
Failing to take out employers’ liability insurance could cost you, even if no claim is brought against your business. You could be fined £2,500 for every day  that you’re not insured. Failing to produce an ELCI (Employers’ Liability Compulsory Insurance) certificate or not making it available to inspectors when they ask can also incur a fine of £1,000 or more.
Employers’ liability insurance covers you against any claims by staff members who suffer an injury or become ill while performing duties for your business.
This cover will take care of legal costs, including legal fees and compensation payouts, should a complaint made by an employee go to court.
The legal requirement for most businesses is to hold cover worth £5 million. However, many policies include £10 million of cover as standard. Businesses where staff face a higher risk at work should make sure any cover taken out is sufficient for the needs of the business.
It is important to note that claims can still be made even when a person is no longer employed by you, as certain illnesses or symptoms may take time to develop. Check that your policy includes cover for these instances, as overlooking it can be a costly mistake.
While you may not be legally required to cover volunteers, independent contractors and students on work experience, some policies might offer cover for these types of employees as well. This can be helpful, as claims might still be made against you.
In the majority of cases, employers’ liability insurance is a legal requirement.
There are some exceptions to this rule. If the following applies, you do not have to take out this cover:
You might be exempt from employers’ liability insurance if any of the following applies:
The cost of a policy would depend on your level of cover, the size of your business and your individual requirements.
In many cases, employers’ liability insurance comes as part of a general business insurance policy, which often also includes public liability insurance (to protect against claims by members of the public, as opposed to your own staff).
With some providers, you might even be able to include other elements of business cover in your policy, such as protection for your equipment or van insurance.
These are just a few examples of potential claims that employers’ liability insurance can cover you for. Whether the incident is your fault, the employee’s fault, or a freak accident, the staff member affected might have a case.
Depending on the circumstances, these claims can run to millions of pounds, so taking out adequate cover is important.
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