We are a well-established company working alongside a number of specialist brokers, aimed at finding the most competitive employers’ liability insurance quotes.
We can connect you with a wide selection of brokers who will work hard to get your business.
There is no need for lengthy web searches, our partners will simply contact you and guide you through you quote process. Fill out our quick and simple form and they’ll be in touch straightaway!
The Responsible Choice
As an employer, you have a duty of care towards your employees. Employers’ liability (EL) insurance will protect you from the cost of paying or defending against a compensation claim if any employee suffers an injury or illness as a result of working for you. It will also cover you in case of a criminal prosecution if the employee suffered as a result of a law being broken or a regulation not being adhered to.
Accidents are not something anybody plans. Some might be a direct result of somebody’s negligence, like a spillage not being cleaned up properly, or they might be specifically due to the type of work you are doing, like when people who have been working with asbestos end up with mesothelioma.
If any employee decides to take legal action against you, this can have a serious impact on your own finances as well as those of your business. Whoever is responsible, an employee still has every right to make a claim. Legal fees to defend against claims can easily run into the thousands.
It covers a wide variety of employees including:
Seasonal or casual employees
Labour specific subcontractors
Students on work placements
We would also recommend public liability insurance and professional indemnity insurance to any employer who does not have such policies in place already.
FREQUENTLY ASKED QUESTIONS ABOUT EMPLOYERS' LIABILITY INSURANCE
In the UK, employers' liability insurance is a legal requirement for any business which has any employees, and the minimum level of cover is £5 million.
The only exceptions to this rule are if the employee is a family member, or they are based abroad full time, otherwise EL insurance is not optional.
Any business without it can be fined £2,500 per day, every day until they have the proper EL insurance policy in place. Furthermore, failure to display your insurance certificate can land you with another fine of £1,000.
The price of your premium will depend on several different factors including:
How many employees you have
What sort of business you run
Your previous insurance claims history
Bigger businesses will require more cover, and will therefore pay a higher premium because there is a statistically higher chance of an employee making a claim and the insurer having to pay out.
We work with a variety of leading insurers, and give you the option to tailor your employers' liability insurance policy to fit your specific requirements.
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