As an employer you are legally responsible for the members of staff that you hire, which is why it is essential that you have a reliable employers’ liability insurance package.
If someone gets injured or falls ill while at work, or as a result of working on your premises, then you may be responsible for paying them compensation. While this will only be the case if someone makes a claim against you, and you are subsequently found responsible, having employers’ liability insurance ensures that, whatever happens, you will always be protected.
Our policy covers your legal liability for damages as a result of death, injury or disease sustained by employees in the course of their employment. The cover includes:
- £10 million limit of indemnity
- Inclusive of temporary and work experience staff as standard
- Court attendance costs
Unlike public liability insurance which is voluntary, employers’ liability insurance is compulsory.
Failure to hold an updated policy will land you with a hefty fine, and in a worst case scenario, you could also be left responsible for paying a fortune in compensation costs. While it is unlikely that you will ever need to use your cover, making sure that you have a policy that you can count on will give you greater peace of mind.
If you have any questions about employers’ liability insurance, then don’t hesitate to contact us, as one of our expert team will be happy to guide you through the process.