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