As an employer, you are responsible for the health and safety of your employees while they are at work.

If you employ one or more people, employers’ liability insurance is a legal requirement for your business. Save time and money by adding it to your single business policy – it slots right in alongside your public liability insurance, plus any additional covers you may need.

If you have employees, contractors, casual workers or temporary staff, you are required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Good health and safety practices are a great first defence, reducing the chance of accidents and illness. So make sure you know the regulations for your industry and carry out regular risk assessments with your employees to help reduce your risk.

  • If you employ staff and don’t take out employers’ liability insurance, you could be asked to pay a £2,500 fine for each day you do not have it
  • Make sure you tell us the correct number of clerical and manual staff, if you employ both
  • Immediate members of your family who work for you do not count as employees for employers’ liability insurance, however casual workers, part-time workers and temporary staff do count

Remember, some illnesses take time to manifest and show symptoms. So it’s possible that a former employee may claim compensation, perhaps a long time after they’ve stopped working for you. Employers’ liability insurance can cover this, but you must keep on file all documentation related to your insurance, even if it’s expired.

Typical Features
  • Injury or illness covered up to £10m for any one event including costs
  • Injury or illness resulting from terrorism covered up to £5m for any one event including costs
  • Cover for self-employed persons, voluntary workers, work experience and training scheme persons
  • Cover can be considered for UK-based employees on a worldwide basis, for temporary visits
Typical Exclusions:
  • Bodily injury to any employee carried in or on a vehicle whilst being used on a road (as defined in the Road Traffic Act)
  • Terrorism (limited to £5 million)
  • Asbestos
What is employer liability insurance?

As an employer, you are responsible for the health and safety of your employees whilst they are at work. Should your employees be injured at work or become ill as a result, they may be able to claim compensation.

The Employers’ Liability Act 1969 made employer liability insurance compulsory in the UK for most businesses with employees.

Employer liability insurance enables your business to meet the cost of compensation awarded to injured employees as well as associated legal costs.

Do I need to tell my employees that I have employer liability insurance?

When you take out or renew a policy with us including employer liability insurance, we will provide you with a certificate of employer liability that will state the companies covered by the policy. This must be displayed where your employees can read it.

You may display your certificate electronically but, if you choose to do so, you must ensure that your employees know how and where to find it and have reasonable access.

What happens if I do not have employer liability insurance?

If you are legally required to take out employer liability insurance but, you fail to do so, you may be fined up to £2,500 for any day which you are without suitable cover. This is enforced by the Health and Safety Executive.

Can I just take out employer liability insurance with you?

We will only arrange your employer liability cover when we are also insuring the public liability section. Whilst public liability insurance is not compulsory, this will protect your business from claims for injury or damage from third parties other than employees.

At Adler Insurance Brokers we are committed to providing you with a high-quality service, which we expect to maintain throughout the duration of the policy. In the event of the worst happening, you will deal direct with our in-house claims team. This means we can get the results you need as quickly as possible.

This will ensure your claim will be dealt with in the most efficient manner. We have unique relationships with our insurers and urgent claims can sometimes be handled there and then over the phone.

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