Employers Liability Insurance

If you run a company and you have employees, they may become injured at work or become ill as a result of working for you. They might be entitled to claim compensation. This type of insurance covers this cost.

An example of a situation where you would need to claim on your employers’ liability cover would be if an employee is injured while working with equipment you have supplied without the proper safety precautions in place.

What level of employers liability insurance cover do you need?
Employers liability insurance claims can be very expensive, and often run into thousands of pounds. As such, the standard level of cover given as part of business insurance policies is £10 million.

Things to look out for:

  • If you do not have employers liability insurance when you employ staff, you could be fined £2,500 for each day it is not in place.
  • Be careful to put down the correct number of manual or clerical roles you employ as this may be a factor when rating the risk.
  • Immediate members of your family who work for you do not count as employees for employers’ liability insurance.

Deciding what kind of cover you need can be complicated. We, at Trident Business Insurance will make it easier for you and find you the best quote so you don’t need to worry.

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