Employers Liability Insurance

Employers Liability Insurance is a statutory requirement.

This means that you have to have Employers Liability insurance when you employ people.

Whilst there are some types of employees where employers liability is not a legal requirement, in almost all cases it is, even people who are voluntary or they are on a government scheme employers liability insurance is still a requirement.

Speak to us today – Call: 01623 397300

Employers Liability is commonly available, although you wouldn’t really buy the cover on its own. A commercial combined insurance policy for manufacturers or a contractor for instance you will have an option to include it and is based on the wages you pay to your employees

If you have a package policy such as for a shop, an office, a pub or club and similar business then the cover comes as standard and is included within the package automatically.

Remember where you have employees cover is compulsory, if you are unsure lets have a discussion about your requirements.



Thomas Somers

The flooding from storm Desmond on 5 December was pretty devastating. Over half a metre of muddy, chemically contaminated water caused more damage than my worst expectations.
We made an instant decision to continue as normal and concentrate on our customers. We were speedily visited by the loss adjustor who almost instantly agreed with our plans for clearing out the damaged centre and for moving into temporary accommodation. In all of this process Lucy was a massive help, offering practical advice, helping chase the insurers when things got bogged down and being firmly on our side when we didn’t agree with proposals made by the loss adjustor. Her calm and structured approach was a huge morale booster at a difficult time. Without such an efficient service we would not have been able to “continue as normal” and get our centre re-built so quickly.
It is often said that you only know how good your insurance is when you need to make a claim.

So what does Employers Liability cover

Employers Liability covers you against claims arising from loss, injury, disease etc to an employee, when you employ them. As an employer you have a duty of care to your employees to keep them in a safe environment whether that is in a factory, a shop or whilst they may be working away from your business premises. There is a lot of requirements put on you as an employer to safeguard your employees. Sometimes with the best will in the world, unavoidable accidents do happen and when they do your employee can make a claim against you.

Who is an employee

This can sometimes be misunderstood, obviously PAYE employees, what about labour only people in the construction sector for example, just because they are self employed they may very well be employees, students on work experience, voluntary workers, they are all under your control

Speak to us about your needs and the employees you have we can ensure that you are insuring correctly and including them accordingly

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