Employers' Liability Insurance
Taking on employees changes the responsibilities of a business. Employers' Liability Insurance is a core part of meeting the insurance obligations that come with becoming an employer.
From £5 a month
Employers' Liability Insurance helps protect your business against its legal liability for work-related injury or illness suffered by employees.
Protection if an employee is injured as a result of the work they carry out for your business.
Cover if an employee develops an illness or condition caused by or arising from their work.
Cover can extend to different types of workers, including certain part-time, temporary, supplied or borrowed workers, depending on the working relationship and policy terms.
If a covered claim is made against your business, Employers' Liability Insurance can help with compensation or damages you're legally liable to pay, together with eligible legal defence costs and expenses.
Even businesses with good working practices can experience workplace accidents or illness. Here are a few examples of how an Employers' Liability claim could arise.
An employee trips over a loose cable at work, suffers an injury and makes a compensation claim against the business.
An employee injures their back while lifting equipment and alleges that inadequate training or working procedures contributed to the injury.
An employee develops a condition they allege was caused or made worse by their working environment and seeks compensation.
Employers' Liability Insurance
From
a month
£10m cover as standard
Most businesses required to have Employers' Liability Insurance must hold £5 million of cover. Online policies include £10 million as standard.
Prices shown are average monthly equivalents of annual premiums. Your price will depend on your business and the cover you choose. Monthly payments are available at 0% APR, with a higher first payment.
Eligible online policies also include access to practical legal support and business resources.
Speak to qualified solicitors about employment law, health & safety and other business-related legal issues.
Access HR documents, contracts, policies, procedures, guides and templates.
Still not sure? Call us on 01225 284968.
For most UK businesses employing people, yes. Limited exemptions apply.
Businesses subject to compulsory Employers' Liability requirements need at least £5m of cover. Online cover available through Captivo provides £10m as standard.
It can cover different types of workers, depending on the nature of the working relationship and the policy terms.
Whether someone needs to be treated as an employee for insurance purposes can depend on the actual working relationship rather than simply the label used in a contract.
No. Claims involving customers, clients or members of the public are generally dealt with by Public Liability Insurance.
Employers' Liability is designed for work-related injury or illness claims involving employees. Public Liability primarily deals with injury or property damage involving customers, clients and members of the public.
Online insurance available through Captivo is provided by Markel, an established specialist insurer with more than 25 years' experience in business insurance. You'll see full insurer and policy details before you buy.
Cover for claims involving customers, clients or members of the public.
View Cover →Cover for claims arising from professional advice, services or mistakes.
View Cover →Cover for certain legal disputes, investigations and proceedings.
View Cover →Put Employers' Liability cover in place as your team grows and your responsibilities as an employer develop.
