Employers’ liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business.
It’s important to note that it is not just full time employees that are covered, it also cover temporary staff and contractors. That is what makes this cover a real “peace of mind” policy for business owners.
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
So as you can see, it’s not just for permanent employees – you might face a claim against you from self-employed contractors, temporary staff or even volunteers.
Having employers’ liability insurance in place means you’re covered if anyone makes a claim against you.
PHP Insurance can cover you up to £10 million for legal costs, compensation and expenses.
When you take out or renew a policy you will receive a employers’ liability certificate.
This will state the minimum level of cover provided and the companies covered by the policy. This certificate must be made accessible to your employees and available to be checked by Health and Safety Executive Inspectors – many businesses display the certificate in a visible place for staff and customer alike.
Please speak to our friendly and expert team who can secure you a selection of employers liability insurance quotes from our panel of underwriters.
