Employers Liability Insurance UK Guide
Compare compulsory UK insurance to protect against claims from employee injury or illness
Employers liability insurance online
Employers Liability Insurance Explained
Compare business insurance to protect against claims from injury or illness of your employees
Employers Liability Insurance FAQs
- What is employers liability insurance?
- Do employers have a duty of care?
- Is employers liability insurance compulsory?
- Can you provide some employers liability claim scenarios?
- What UK regulation protects employees?
- Health and Safety key figures
- Are we required to carry out risk assessments?
- How to manage your employers liability risks?
- How much can personal injury claims cost?
- How much employers liability insurance do we require?
- Who does employers liability insurance cover?
- Does employers liability insurance cover contractors?
- What is a 'claims occurring' insurance policy?
- Are we required to display our employers liability insurance certificate?
- What is the Employers Liability Tracing Office (ELTO)?
- How to compare employers liability insurance cost?
What is employers liability insurance?
The business insurance will pay legal costs incurred in defending allegations and compensatory damages arising from any judgment, award or settlement.
Do employers have a duty of care?
It is worth noting employers are responsible not only for their own acts of negligence, but also for those of their employees.
Is employers liability insurance compulsory?
Both employers liability insurance and public liability insurance play an important role ensuring you have the ability to meet any compensation awards.
Can you provide some employers liability claim scenarios?
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Slips, trips and falls |
Exposure to hazardous chemicals or materials |
Falling objects |
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Faulty equipment |
Inhalation injuries |
Burns or scalds |
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Co-worker actions |
Working at hight or underground |
Muscle strains handling or lifting heavy objects |
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Crashes and collisions |
Repetitive strain injury |
Other hazard objects |
What UK regulation protects employees?
Health and safety law places a responsibility on employers to ensure 'so far as is reasonably practicable', the health, safety and welfare of workers.
The HSE provides simple guides to your requirements under UK law. Whereas the full legislation can be found under the Health and Safety at Work Act 1974.
Health and Safety key figures
Key figures released by the Health and Safety Executive show the extent that people in the UK have suffered from a work-related illness or injury at work in 2017/18.
Are we required to carry out risk assessments?
Companies with five or more employees are required to undertake a written risk assessment that includes a systematic examination of workplace risks.
Besides carrying out a risk assessment, employers need to:
How to manage your employers liability risks?
The HSE offers templates and general advice on how to assess and control risks in the workplace.
How much can personal injury claims cost?
Even if your business was not the cause of alleged injury or illness, the costs in having to defend an allegation in court can be substantial.
The discount rate was amended in March 2017 (and again in August 2019) by the Lord Chancellor has had a significant impact on how damages are calculated over a long period.
With the percentage linked to returns on low risk investments, the rate reduction reflects that claimants may be financially dependent on their lump sum, often for long periods.
The example above identifies what a significant impact the change in law has had on the potential cost of personal injury claims.
How much employers liability insurance do we require?
Zurich have identified 6 steps to choosing Employers Liability limits. Prudent businesses and organisations are increasingly purchasing an Excess of Loss policy to provide increased limits for employers liability, public liability and fleet insurance.
Who does employers liability insurance cover?
The injury or illness must have been caused in connection with the policyholder's business activity. However, coverage can also include first aid, medical, ambulance, fire and security services and maintenance.
Employers liability insurance definitions do vary and it's worth considering the terms and features to consider what cover best meets your needs.
Does employers liability insurance cover contractors?
Whereas, bona-fide subcontractors who work under their own supervision will not typically be covered by your employers liability insurance. Cover however, can be provided under your public liability insurance.
If you have specific requirements, please let your business insurance broker know and they can ensure the scope of your coverage.
What is a 'claims occurring' insurance policy?
This is required because some diseases and subsequent claims may not become apparent until years after the employee was exposed to unsafe conditions.
The above ensures if a business becomes insolvent or is acquired, there are no disputes as to who is responsible. For gradually developing diseases, such as asbestosis, the insurers who covered the Employers Liability risk over the development period will share the cost.
Are we required to display our employers liability insurance certificate?
Subsequent amendments to the regulation now allow for a certificate to be made available electronically, potentially through an intranet site, provided all employees have access to it.
The Health and Safety Executive offers a brief guide for employers regarding the Employers Liability Compulsory Insurance Act 1969.
What is the Employers Liability Tracing Office (ELTO)?
In addition, the Financial Conduct Authority maintains a list of all insurers responsible for employers liability insurance claims.
How to compare employers liability insurance cost?
Employers liability insurance quotes are available by completing our online application, along with a number of other business insurance covers.
Commonly purchased under a package insurance policy designed for your business activities. We continue to see stable market conditions for employers liability insurance, driven mainly by an abundance of insurer capacity.
This guide is for information purposes and based on sources which we believe are reliable, the general risk management and insurance information is not intended to be taken as advice with respect to any individual circumstance and cannot be relied upon as such.