Employers Liability Insurance

Essential cover for all business types. Compare quotes from leading insurers with instant cover. Quick | Easy | BRISCO

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As an employer, you have certain responsibilities for the health and wellbeing of your employees. You will need to make sure they work in a safe environment and that all reasonable precautions have been taken to minimise the possibility of injuries. However, accidents can happen and, if they do, you may have to pay compensation.

Employers liability insurance is a legal requirement and is required to protect both your employees and yourself. It ensures that you can meet the cost of any injury such as compensating them for medical expenses or lost earnings. By comparing quotes and searching for a number of different policies, you can get the most comprehensive cover possible.

We partner with some of the UK’s most trusted employers liability insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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What does employer’s liability insurance cover?

Accidents can happen. From simple slips trips and falls to something more serious, you need to do everything you can to prevent the people who work for you from coming to harm. However, if something untoward does happen, you need to be able to offer them the support they need. This is where employer’s liability insurance comes from. It pays compensation for any workplace injury. It reduces your financial exposure and protects your staff from the damaging impact and injury can have on their health.

How much does employer’s liability insurance cost?

The cost may depend on many factors including the size of your property and the number of employees you have. The type of business you work in also matters greatly. Some industries, such as construction, will naturally be more dangerous than others. This may be reflected in the cost of premiums. Equally, insurers may consider how many claims you have made in the past five years when assessing how risky a proposition you are.

Is this the same as public liability insurance?

No. Public liability covers injuries to your customers and other members of the public who use your property. Employer’s liability cover is only there to protect your staff.

How much employer’s liability insurance do I need?

A cover worth £5 million is the legal requirement for businesses in the UK. This is detailed officially in the Employer’s Liability (Compulsory Insurance) Act 1969. How much cover you require may depend on the nature of your work. For instance, if you work in construction then £5 million cover might not be enough. Most insurers offer £10 million as the standard though.

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