Employers Liability Insurance
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Every business that employs staff is legally obliged to have employers’ liability insurance to a minimum cover level of £5 million.
Even if you are a small business, insurance covering your employees for injury and illness at work is compulsory, whether you employ 1 member of staff or 50 and whether they are casual workers or full-time.
What is Employer’s Liability Insurance?
Employers’ Liability insurance covers you and your business for any claims against you arising from employees who have been injured at work or experienced illness as a result of working for you, and where the fault lies with you. It also covers you for expenses in legal cases against your business taken by employees.
Holding this type of liability cover means that your business is able to pay any compensation claims by staff without compromising its financial stability. However, if your business does go into liquidation or receivership, holding the cover means that your employee can still claim and be paid damages.
Why buy Employer’s Liability with Simply Business?
What does Employers’ Liability cover?
- If one of your employees became seriously ill, was injured or even killed while working for you, your business could be liable. Employers’ Liability would cover the cost of any claims made and awarded to the employee.
- The insurance also covers the legal cost of the claim, including your own legal fees, and can cover the fees of the claimant.
- If you are involved in a case relating to the welfare of an employee, for example where you may have breached health and safety regulations, employers’ liability insurance would cover your costs and expenses in the defence of the prosecution.
Penalties for failing to get Employers’ Liability insurance
If you do not take employers’ liability insurance to take effect when your employee starts work, you could face a fine of up to £2,500 for each day you do not have it.
Fortunately, Simply Business offers a fast, easy insurance service where you can compare a range of prices from leading insurers and buy a policy instantly, meaning that you can get cover as soon as you need it. All the documents and certificates are available in seconds online for printing, and remain in your online account to be accessed when needed.
