EMPLOYER'S LIABILITY INSURANCE

If your business employs more than one person, it’s a legal requirement to have employer’s liability insurance. It counts as employing people if you pay someone a regular wage, and deduct National Insurance contributions and Income Tax from your employee’s pay.

Without the correct liability insurance, you’re at risk of a fine of up to £2,500 for every day your business is uninsured.

WHAT COVER DO I NEED?

Legally, the minimum employer’s liability insurance you need should cover £5 million. As standard, Tradesure employer’s liability insurance provides cover for £10 million.

We offer combined liability insurance with additional cover that includes:

  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance

FREQUENTLY ASKED QUESTIONS

What is employer's liability insurance?

Employer’s liability insurance is designed to protect your business against compensation costs should any of your employees suffer an illness or injury as a direct result of their employment. This is especially important for anyone working in a mechanical, construction or trade environment where there is an especially high risk or injury.

The law says that as a minimum, your employer’s liability insurance should provide cover for £5 million. Tradesure employer’s liability insurance provides cover for £10 million as standard, with higher rates of cover available.

Can I get immediate cover over the phone ?

Yes – we can provide immediate cover over the phone once payment has been set up (or paid in full if you prefer).

What is combined liability insurance?

Commonly a business will take out both public liability insurance and employer’s liability insurance together – this is known as a combined liability policy. Tradesure offer combined liability insurance with additional cover for:

Product liability insurance
Directors’ and Officers’ insurance
Professional indemnity insurance
Trustee insurance

Can I pay for my insurance by instalments?

Yes you can. Just ask us about our finance options.


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