Employers Liability Insurance
Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO
Compare Quoteswhy you need Employers Liability Insurance
As an employer, you have certain responsibilities for the health and wellbeing of your employees. You will need to make sure they work in a safe environment and that all reasonable precautions have been taken to minimise the possibility of injuries. However, accidents can happen and, if they do, you may have to pay compensation.
Employers liability insurance is a legal requirement and is required to protect both your employees and yourself. It ensures that you can meet the cost of any injury such as compensating them for medical expenses or lost earnings. By comparing quotes and searching for a number of different policies, you can get the most comprehensive cover possible.
If you’re looking for bespoke business insurance to suit your specific needs, don’t hesitate to get in touch with Brisco’s experienced insurance team today.
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Do I need employers’ liability insurance in the UK?
Employers’ liability insurance is crucial for all businesses in the UK that employ people. This applies no matter what industry you’re in. If you’re not sure whether you require liability insurance or not, please talk with one of Brisco’s business insurance experts today.
What does employer’s liability insurance cover?
Accidents can happen. From simple slips trips and falls to something more serious, you need to do everything you can to prevent the people who work for you from coming to harm. However, if something untoward does happen, you need to be able to offer them the support they need. This is where employer’s liability insurance comes from. It pays compensation for any workplace injury. It reduces your financial exposure and protects your staff from the damaging impact and injury can have on their health.
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.
Do I need employers’ liability insurance if I am self-employed?
Employers’ liability insurance won’t be necessary if you don’t have any employees, or if your only employees are family members. This rules out most self-employed people from needing it. You won’t need it even if you outsource work to freelancers.
That being said, there are other kinds of insurance that may benefit you, such as public liability insurance, which can be useful if you ever meet a client in person either at their office or yours.
Is this the same as public liability insurance?
No. Public liability covers injuries to your customers and other members of the public who use your property. Employer’s liability cover is only there to protect your staff.
What insurance do I need for employees?
The type of insurance you need for your employees will depend on the business and the specific risks associated with your operations. If you run a commercial business that employs staff, even casual staff, you will require Employers’ Liability Insurance (EL insurance); besides that, check the rules and regulations for your industry for industry-specific insurance you may need.
How much employer’s liability insurance do I need?
A cover worth £5 million is the legal requirement for businesses in the UK. This is detailed officially in the Employer’s Liability (Compulsory Insurance) Act 1969. How much cover you require may depend on the nature of your work. For instance, if you work in construction then £5 million cover might not be enough. Most insurers offer £10 million as the standard though.
Who is exempt from employers’ liability insurance?
Employers’ liability insurance is not required for businesses that only employ family members or don’t have any employees.
