EMPLOYERS' LIABILITY INSURANCE UK
Employers are responsible for the health and safety of their staff when they are at work. If your business employs more than one person, it’s a legal requirement to have employers liability insurance.
Its purpose is to cover the cost of any claims a staff member might make for being injured or ill as a result of their employment. Employers liability policies protect your business against the costs of medical treatment, compensation, and any related legal fees.
With Tradesure, you can get employers liability insurance quotes for tailored policies to suit any type of business. You can also choose the level of cover you need, with optional extras such as adding public liability insurance on a combined policy.
WHO NEEDS EMPLOYERS' LIABILITY INSURANCE?
If you have more than one employee, you need employers liability cover. Some employers may be exempt from taking employers liability policies if:
- Your employees are based abroad
- You employ students on work experience programs
- You have volunteers
- You employ staff who exclusively carry out unpaid work
- You are a sole trader who only employs close family members and aren’t running a limited company
Without the correct employers liability cover, you risk a fine of up to £2,500 for every day your business is uninsured. Even if you don’t get fined, a claim brought by an employee for injury or work-related illness could put your business at financial risk. Read the government’s guide to compulsory employers’ liability insurance here.
WHAT DOES EMPLOYERS LIABILITY INSURANCE COVER?
Employers liability insurance covers you for legal fees and compensation payouts, including medical costs incurred from an employee. For example, if you are taken to court by an employee due to a health and safety breach, your costs are covered by your employers liability policy.
GET AN EMPLOYERS LIABILITY INSURANCE QUOTE
To request an online quote, fill out the form below and our team will be in touch.