Employers Liability Insurance
Compare get indemnity™ employers liability to protect against claims from employee injury or illness
Get indemnity™ employers liability
Employers Liability Insurance Explained
Compare business insurance to protect against claims from injury or illness of your employees
At get indemnity™ employers liability insurance quotes starts from £80 per year or £6.67 per month. Below we provide some background and explain how employers liability cover can protect your business from injury and illness claims.
What is employers liability insurance?
The insurance will pay legal costs incurred in defending allegations and compensatory damages arising from any award or settlement.
Is employers liability insurance compulsory in the UK?
Employers liability is one of the few types of business insurance which is compulsory under UK law. Both employers liability insurance and public liability insurance play an important role ensuring you have the ability to meet any compensation awards.
Who does employers liability insurance cover?
The injury or illness must have been caused in connection with the policyholder's business activity. However, employers liability cover can also include first aid, medical, ambulance, fire and security services and maintenance.
How much employers liability insurance do we require?
The amount of employers liability insurance you require will depend upon the industry you work and whether your employees perform manual work. For example, many companies working within the construction industry will purchase between £15 million to £25 million.
Example employers liability insurance claims:
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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 |
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 employers liability claims cost?
The example above identifies what a significant impact the change in law has had on the potential cost of personal injury claims.
What is a 'claims occurring' employers liability 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.
Fine for not displaying EL certificate
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.