Essential Legal Protection for Your Employees
Employers' liability insurance is a vital form of protection that covers compensation claims from employees who suffer injury or illness at work. This insurance protects your business against the financial consequences of employee claims, ensuring you can manage potential liabilities without putting your business at risk.
Under the Employers' Liability (Compulsory Insurance) Act 1969, this insurance is a legal requirement for virtually all UK employers with one or more employee. It demonstrates your commitment to employee welfare and protects your business, your employees, and your reputation. We work with leading insurers to ensure you have appropriate coverage for your specific business operations and workforce.
What's Covered
- Compensation for employee injury claims: Full payment of compensation for employees injured due to workplace accidents
- Occupational disease claims: Claims for work-related illnesses such as PTSD, occupational dermatitis, or stress-related conditions
- Legal defense costs: Full coverage of legal representation, court fees, and defense costs
- Court-awarded damages: Full payment of court-awarded damages and settlement costs
- Medical expenses: Emergency and ongoing medical treatment costs for injured employees
What's Not Covered
It's important to understand what employers' liability insurance doesn't cover. Most policies exclude certain claims to ensure appropriate risk management and compliance with insurance principles.
Fines and penalties: Fines, penalties, or sanctions issued by regulatory authorities such as the HSE
Claims for non-employees: Claims from self-employed contractors, volunteers, or people not under a contract of employment
Injuries due to road traffic accidents: Claims covered separately under motor insurance policies
Accidents outside the scope of employment: Claims arising from activities outside the employee's normal duties or outside working hours
Intentional or criminal acts: Claims arising from intentional acts, gross negligence, or criminal conduct
Specialist Coverage Options
Employers' liability insurance needs vary depending on your business type, industry, workforce, and operations. We offer flexible coverage options that can be tailored to your specific needs and risk exposure.
Optional extensions include cover for temporary employees and agency staff, volunteers and contractors working with your business, high-risk trades and manual labour operations, and cover for directors and partners as employees. We can also arrange extended geographical cover if your employees work overseas or internationally. Our specialists will work with you to identify the optional covers most relevant to your business operations, ensuring you have comprehensive protection against the specific risks your workforce faces.
Industries We Cover
Employers' liability requirements are universal, but risk profiles differ significantly across industries. We work with businesses of all types to ensure appropriate protection for your specific workforce and operations.
Sectors We Protect
Offices & Professional Services
Protection for corporate offices, professional services firms, legal practices, accountancies, and other office-based businesses with office-based workforce.
Retail & Hospitality
Coverage for shops, restaurants, cafes, hotels, and hospitality businesses with retail or service-based operations and customer-facing staff.
Trades & Contractors
Protection for plumbers, electricians, builders, decorators, and other tradespeople with hands-on work and higher workplace hazard exposure.
Manufacturing & Industrial
Coverage for factories, manufacturing facilities, and industrial operations with machinery operation and potentially hazardous work environments.
Risk Management & Health & Safety Support
Effective employers' liability protection goes beyond insurance. We help you prevent claims before they happen through proactive risk management and expert health and safety guidance.
Our support includes training staff to identify and manage workplace hazards and implement safety controls, developing and maintaining comprehensive workplace safety protocols and procedures, establishing clear accident reporting and incident investigation procedures, and ensuring compliance with relevant health and safety regulations and statutory requirements. We also work with you to conduct regular risk assessments, identify specific workplace hazards, and implement preventive measures. By combining expert insurance protection with proactive health and safety support, we help your business create a safer workplace and reduce the risk of employee injury claims. Employers' liability insurance is a legal requirement and essential protection, and we ensure you have appropriate coverage with expert guidance throughout.