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Employer's Liability Insurance offers protection to you and your business, in the event of any liability arising from injury or illness sustained by anybody who is employed by you.
If you employ bricklayers, plumbers, joiners and people involved in similar manual activity you require a Tradesman's Liability Insurance. This can combine Employers and Public Liability Insurance together.
If your business activities are professional, advisory or clerical in nature employees can still be injured in the workplace. regardless of the nature of the work Employers Liability Insurance is still compulsory for all full and part time employees
You may be able to combine your Employers Liability Insurance with Office Insurance, Public Liability Insurance and Professional Indemnity Insurance
Some occupations and trades would be regarded as High Hazard and require more understanding to ensure the Employers Liability Insurance provides adequate cover. Examples of High Hazard trades would be Demolition Contractors and Contractors working with Asbestos.
In order to review your requirements we would need to discuss your existing arrangements, historic claims experience and approach to Health & safety and Risk Management.
Employer's Liability Insurance offers protection to you and your business, in the event of any liability arising from injury or illness sustained by anybody who is employed by you. Employer's Liability Insurance also enables employees injured as a result of an employer's negligence to seek compensation, even if the business goes into liquidation or receivership.
The cost of Employers Liability is usually determined by the nature of work and historic claims experience. Some trades and occupations would be regarded as High Hazard such as Demolition Contractors or Contractors working with Asbestos. Office and Clerical based businesses would be lower risk but still face traditional trip and slip in the workplace situations and repetitive strain injuries ( RSI ) as examples.
Regardless of the level of risk or hazard any business that employs full or part time staff must arrange Employers Liability Insurance.
WHAT’S COVERED BY EMPLOYER'S LIABILITY INSURANCE?
The following are covered by Employer's Liability Insurance:
RISKS OF FAILING TO ARRANGE EMPLOYER'S LIABILITY INSURANCE
Failure to arrange Employer's Liability Insurance could lead to one or all of the following:
WHAT’S AN EMPLOYEE?
In general, you need Employer's Liability Insurance for someone who works for you if:
It may be on a part-time basis, a full-time employee, students on work experience courses, a self- employed sub-contractor, a person working on a trial basis and even voluntary workers. All are technically employed by you, because they are under your instruction and working for you.
WHO NEEDS EMPLOYER'S LIABILITY INSURANCE?
Employer's Liability Insurance became a legal requirement in 1972 as a direct result of the 1969 Employer's Liability Act. The current minimum legal requirement is £5m of cover against bodily injury, illness or disease sustained in the course of employment.
EMPLOYER'S LIABILITY INSURANCE CLAIMS EXAMPLES
Employer's Liability Insurance offers protection to you and your business, in the event of any liability arising from injury or illness sustained by anybody who is employed by you.
If you employ bricklayers, plumbers, joiners and people involved in similar manual activity you require a Tradesman's Liability Insurance. This can combine Employers and Public Liability Insurance together.
Tradesmans Insurance with Employer's and Public Liability QuoteIf your business activities are professional, advisory or clerical in nature employees can still be injured in the workplace. regardless of the nature of the work Employers Liability Insurance is still compulsory for all full and part time employees
You may be able to combine your Employers Liability Insurance with Office Insurance, Public Liability Insurance and Professional Indemnity Insurance
Combined Employer's, Public Liability and Professional Indemnity Insurance Quote
Some occupations and trades would be regarded as High Hazard and require more understanding to ensure the Employers Liability Insurance provides adequate cover. Examples of High Hazard trades would be Demolition Contractors and Contractors working with Asbestos.
In order to review your requirements we would need to discuss your existing arrangements, historic claims experience and approach to Health & safety and Risk Management.