Employers Liability Insurance

Employers Liability Insurance

Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO

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Employers liability insurance is a legal requirement for almost all UK businesses that employ staff. Without adequate coverage, your company risks serious financial consequences if an employee makes a claim for an injury or illness. 

At Brisco Business, our experts make getting this kind of business insurance quick, easy and hassle-free.

What is Employers’ Liability Insurance?

Employers’ liability insurance protects businesses against compensation claims from employees who have become injured, developed an occupational disease or illness due to their work.

It covers the legal liability an employer has for workplace accidents, injuries and illnesses that arise as a result of an employee’s job duties and working conditions. Common claims relate to repetitive strain or manual handling injuries, workplace stress and accidents from slips, trips and falls.

Without your employer’s liability coverage, you could face major compensation bills if an employee makes a successful claim against your business. Legal fees for defending claims can also spiral. Most employers are legally required to have at least £5 million of employers’ liability insurance in place.

This essential liability insurance cover gives you cover for compensation payments to injured or ill employees and legal costs defending claims against your business. Expert insurers will manage claims on your behalf.

Do I Need Employers’ Liability Insurance?

Employers’ liability insurance is a legal requirement if you employ anyone apart from close family members. You need it as soon as you take on your first employee.

You can be fined £2,500 every day if you are not properly insured against employers’ liability risks. On top of this, you may have to pay compensation costs for employee claims out of your own pocket.

What Does Employers’ Liability Cover?

An employer’s liability insurance policy covers:

  • Compensation payments to employees injured or made ill by work

  • Legal bills defending claims from employees

  • Attending court to represent you during claims

  • Crisis management advice and support

A standard employer’s liability policy protects against all aspects of employee illness and injury, whether physical or psychological. This includes injuries from slips, trips and falls, work-related stress and long-term issues like repetitive strain injuries.

Most policies provide £10 million of cover, with some insurers offering up to £25 million as standard. Always take out higher cover if your business operates in a high-risk sector where claims could exceed £10 million.

We Offer Flexible, Value Employers Liability Policies

As an independent broker, we can access insurance from a panel of top UK providers. This allows us to find you the most appropriate liability policy at the best possible price. We provide quotes for both annual and short-term employer liability coverage, with at least £5 million as standard.

Our Advisors Help You Understand What’s Covered

The specifics of what employers are liable for can be confusing. Our knowledgeable team will clearly explain what protection a policy offers. Simply tell us about your business, and we will explain what employer liability includes and excludes. Allowing you to buy a suitable cover with confidence.

We Make Getting Insurance Quick and Straightforward

Securing the employer’s liability insurance as legally required does not need to be time-consuming or complicated. Our online process takes just minutes to complete. We’ll then send you a no-obligation quote outlining the cost and level of protection.

If you want to discuss policy details, one of our advisors can guide you through. We’ll ensure you get tailored employer liability coverage that genuinely protects both staff and your business interests.

Key Points to Remember About Employers Liability Insurance:

  • It’s a legal requirement for almost all employers

  • Minimum cover is £5 million but many claims exceed this

  • Protects against staff illness and injury compensation claims

  • Also covers legal costs defending claims

  • Get quotes from an independent broker like us to save money

  • We can provide high £10 million cover as standard for full protection

  • It takes just a few minutes to get a tailored quote from us

We’re Here to Get Your Business Properly Protected

As a trusted broker with access to a wide panel of top insurers, Brisco Business makes getting vital employer liability insurance quick, easy and hassle-free. Speak to one of our advisors today to discuss your needs or get a quote online 24/7. We’re happy to explain what employers liability policies cover, provide guidance and ensure you get great value protection in place. 

You may also want to consider other complementary insurance coverages like public liability insurance, professional indemnity insurance, and business interruption insurance.

Brisco is the preferred choice over Employers Liability Insurance brokers for insurance due to our superior platform. Access a wide array of insurers to find the most comprehensive coverage options at the best prices. With round-the-clock availability and a user-friendly interface, Brisco empowers you to make decisions tailored to your unique business requirements.

We partner with some of the UK’s most trusted employers liability insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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How Much Does Employer’s Liability Insurance Cost?

The cost may depend on many factors, including the size of your property and the number of employees you have. The type of business you work in also matters greatly. Some industries, such as construction, will naturally be more dangerous than others. This may be reflected in the cost of premiums. 

Equally, insurers may consider how many claims you have made in the past five years when assessing how risky a proposition you are.

How Much Employers’ Liability Cover Do I Need?

While the legal minimum employers’ liability cover is £5 million, we strongly advise buying £10 million or higher. With the rising costs of injury claims, £5 million in coverage often does not fully cover compensation payouts and legal fees, so purchasing more protects your business assets fully. 

Consider £25 million or higher employers’ liability cover if you operate in an inherently high-risk industry, undertake dangerous activities, have a large workforce, or run international operations, as claim costs can rapidly stack up. Our expert advisors will discuss an appropriate level to protect your specific liabilities during the quoting process.

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