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Employers Liability Insurance

1st Choice can advise on the best level of Employers Liability Insurance to make sure you have the best employers liability coverage in place. With our friendly and knowledgeable team of advisors, we will make sure that you can make an educated choice and explore all the policy options available to you. Talk to our team for a great value employers liability insurance quote today!

What is Employers Liability Insurance?

It’s a type of liability insurance specifically designed to protect employers from any financial losses that arise if an employee has a job-related injury or illness. This type of protection is often included in business insurance policies, and can also be packaged with workers’ compensation insurance and related contracts. In fact, an employers liability policy is often known as “part 2” of a workers’ compensation policy, with many contracts designed to cover the costs of injuries, illnesses and death in cases that are not covered under standard workers’ compensation. As an employer, you are responsible for the health and safety of employees whilst they are at work. If an employee, or former employee, becomes ill as a result of their work whilst in your employment and they believe you to be responsible, they may try to claim compensation from you.

Who needs Employers Liability Insurance?

Employers liability coverage is recommended for anyone who is running a business and employing staff. In fact, employers liability insurance is a legal requirement for anyone in the UK who is trading as a Limited Company and employing even a single member of staff. Before getting an employers liability insurance quote, it’s important to speak with an insurance advisor and see if this coverage can be packaged with other business insurance products.

For example, UK businesses are also likely to need fire and theft protection, public liability coverage, loss of income coverage, building insurance and many other coverage options. While workers’ compensation insurance is often established by national and local laws, it does not cover all eventualities or many of the expenses that businesses are likely to face. Employers liability provides a more comprehensive level of protection, especially in situations where employees are working in risky or dangerous environments.

If an accident or injury does occur as a result of running your business, legal claims can get costly and complicated quickly. An employers liability insurance policy allows you to get the employers liability coverage protection and peace of mind that you and your business deserves.

Read our blog – Why Do You Need A Liability Insurance Policy?

Benefits of Employers Liability Insurance

Employers liability insurance provides a very important level of protection for a business and its employees. The advantages of this cover stretch far and wide, with benefits including meeting your legal obligations, ensuring financial protection for your business, and providing security to your employees in the face of personal loss or injury.

Here at 1st Choice Insurance, we can provide employers liability coverage for your business, with products available on a stand-alone basis or integrated into business insurance policies. If you want to ensure full protection against all eventualities, please pick up the phone and give us a call today, one of our experience advisors will be able to help you go through all your requirements.

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Employers Liability Insurance and Voluntary Workers

Depending on the risks posed, you may also require cover for voluntary workers, students on work experience or a training programme, or someone working on a trial basis before being put on a fixed contract. Some exemptions apply where all your employees are close relatives (and the business is not incorporated as a limited company) or where the owner is the sole employee (and owns 50% or more of the company’s issued share capital). If you are unsure about who counts as an employee, our experienced advisers will be able to assist you.

How are Employers Liability Coverage Premiums Calculated?

Your Employers Liability Insurance premium is based on the amount of risk you present to the insurer, i.e. the safer your working environment and the fewer claims you have made, the lower the risk you present. An employer must have a minimum of £5 million worth of Employers Liability Insurance, however, most insurers will provide cover of £10 million as standard.

If you do not put appropriate insurance in place, the HSE can fine you up to £2,500 per day for each day that you do not have appropriate insurance. Employers Liability Insurance Certificates must be clearly displayed where employees can read it and copies must be kept for a minimum of 40 years!

Get an Employers Liability Insurance Quote!

To get competitive employers liability insurance quotes from our panel of insurers, we’ll ask you a series of quick questions about the employers liability coverage you require and then offer you the right policy at the right price. We’ll also explain any optional or extra costs to you to ensure you have all the facts before taking out cover.

We offer excellent customer service, instant cover and documentation via email. If you’re looking for Employers Liability Insurance coverage, 1st Choice Insurance is here to help. Call our friendly, experienced team on 01743 770 500 for a no obligation insurance quote or use our Get a Quote Form.

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