Employers Liability Insurance

What is Employers Liability Insurance?

Employers Liability Insurance cover

Employer’s liability insurance protects and provides cover for businesses in the event that a claim for compensation is made by an employee as a result of an injury or illness suffered due to the work they carry out in your business. The insurance covers against the cost of compensation claims arising from employee illness or injury, sustained during the time they carry out work for you and your business. Remember ultimately if an employee suffers a bodily injury and/or illness during work hours your business could be liable.

Employers Liability Insurance is a legal requirement if your business employs more than one person, whether they be paid, unpaid, volunteers or subcontractors (labour only), with a potential fine of up to £2,500 each day you go without the necessary cover.

All our policies come with at least £10 million worth of cover as standard, as is required by law.

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How will Employers Liability Insurance help me?

cover against employee slips and falls

With an Employers Liability cover in place your business and employees are protected. Our employer’s liability insurance also helps you and your business fulfil your legal requirement of having a minimum level of cover, currently set at £5 million, all our polices currently provide £10 million worth of cover. Your business will also be protected from claims for compensation, legal or medical expenses made by someone in your employment. When purchasing your Employers Liability policy, an Employer’s Reference Number (ERN) is required, this is provided by HMRC and is unique to all businesses.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Employers liability insurance in action

cover for employees at work

A waitress at a restaurant takes a hot drink over to a table with customers waiting. Whilst on her way to the customers table the employee slips on the wet floor. The fall occurred due to the floor being cleaned with no wet floor sign visible and the employee receiving no forewarning of the wet floor. The slip and fall has led to the employee hitting their head and becoming concussed.

The employee has now had to take several weeks off work while receiving hospital treatment. Costs were incurred through constant travel between treatment locations as well as a loss of earnings for the time they’ve been unable to work.

What was covered?

After making a claim and going through the courts the employer was found liable. The employee made a claim for loss of earnings and compensation which were both covered under the employers liability insurance held by the restaurant in question. The employer was also relieved to know that the court and other legal costs were also covered by the insurance.

Employers Liability Insurance quotes from a range of UK insurers

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit.

Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm