Employers' liability insurance

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Insurance for employers

Growth and progress often starts with new employees, but added responsibility can carry a few risks. If you employ one or more people, employers’ liability insurance is a legal requirement for your business. Save time and money by adding it to your single business policy – it slots right in alongside your public liability insurance, plus any additional covers you may need. 

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What is employers’ liability?

Simply Business director, Deborah Reid, explains the ins and outs of employers’ liability, and why cover is key for so many small businesses.

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Do you need it?

If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out employers’ liability insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.

Reduce your claim risk

Good health and safety practices are a great first defence, reducing the chance of accidents and illness. So make sure you know the regulations for your industry and carry out regular risk assessments with your employees.

Need more guidance? Have a look through our legal matters section.

Watch the details

  • If you employ staff and don’t take out employers’ liability insurance, you could be asked to pay a £2,500 fine for each day you do not have it
  • Make sure you tell us the correct number of clerical and manual staff, if you employ both
  • Immediate members of your family who work for you do not count as employees for employers’ liability insurance, however casual workers, part-time workers and temporary staff do count

Claims from former employees

Remember, some illnesses take time to manifest and show symptoms. So it’s possible that a former employee may claim compensation, perhaps a long time after they’ve stopped working for you. Employers’ liability insurance can cover this, but you must keep on file all documentation related to your insurance, even if it’s expired.

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