Employers liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you.
As a business owner you might know Employers’ Liability is compulsory if you employ staff. As employers have a duty of care to their workers, the Employers’ Liability Insurance (Compulsory Insurance) Act makes it a legal obligation for you to have this cover.
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£1-10M Public Liability
Temporary Employees Covered
What does employer’s liability insurance cover?
Employer’s liability insurance covers compensation claims that have been made against you by one of your employees because something you did or something you failed to do resulted in them being injured or killed or suffering an industrial disease.
Employers’ liability coverage is intended to cover expenses not covered by workers’ compensation or general liability insurance and also covers any associated costs and expenses. This includes both your legal costs and the claimant’s legal costs.
Employers’ liability insurance covers:
Full-time and part-time employees
Self-employed contractors you hire
Temporary staff, apprentices and volunteers
People taking part in work experience or training schemes