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Employers' Liability
What is Employers' Liability Insurance?
Employers’ Liability Insurance is a legal requirement for businesses in the UK that employ staff, even on a casual or temporary basis. This insurance covers claims made by employees who suffer injury or illness as a result of their work. Failure to have employers’ liability insurance can result in substantial fines from the Health and Safety Executive (HSE).
Examples of Claims:
- An employee slips on a wet floor in the workplace and suffers an injury.
- A construction worker is injured while operating machinery on-site.
- An office employee develops repetitive strain injury (RSI) due to inadequate workstation setup.
What It Covers:
- Compensation claims for workplace injuries, illnesses, or conditions developed due to employment.
- Legal defence costs and representation in court.
- Associated medical costs and rehabilitation expenses.
Key Features:
- Minimum Cover of £5 Million: In the UK, employers are legally required to have at least £5 million in cover for Employers’ Liability Insurance.
- Covers Legal Costs and Compensation: This includes legal fees, medical costs, and compensation payments if an employee successfully claims for a work-related injury or illness.
- HSE Compliance: It’s mandatory to display your Employers’ Liability Insurance certificate, proving compliance with UK law.
Speak to our Employers' Liability
Expert Advisor
We understand the importance of having easy and accessible ways to get in touch with us. That’s why we’re excited to offer you a way to connect directly with our Senior Team quickly and conveniently.
Nicola Wyatt
Senior Insurance Practitioner
