Employers Liability Insurance.

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What is Employers Liability Insurance?

Employers’ liability insurance is a legal requirement for most UK employers, under the Employers Liability Act 1969. It’s designed to protect you and your employees (including those who no longer work for you) if they’re injured or become unwell as a result of working for you, covering the associated legal and compensation costs, and other damages.

What does Employers Liability Cover?

  • Third party injury - You may claim for this if your employee accidently injures someone, while working for you

  • Third party property damage - You may claim for this if you’re employee accidently damages someone’s property, while working for you.

  • Employee injury or illness - You may claim for this if your employee accidently injures themselves, while working for you.

Why is Employers Liability so important?

Employers liability insurance can protect you against claims for:

  • Employee illness or injury caused by working for you

  • Medical bills and legal fees due to employee illness or injury

You’re required by law to have employers liability in place if you have employees.

Employers Liability FAQ’s

  • If you have employees, you'll usually need to have employers’ liability insurance in place – it's a legal requirement.

  • Employers’ liability insurance protects you against the cost of compensation claims that arise from employee illness or injury as a result of working for you