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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 - sometimes called EL insurance - is a legal requirement for most businesses. 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.
Even if you employ short-term staff, casual workers or contractors, you will usually be required to have employers’ liability insurance. Simply Business provides temporary workers’ insurance for many types of business - grab a quote below, and put a policy in place today.Start your quote
Employers’ liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It is a legal requirement if your business employs one or more people, each day without the cover bringing fines of up to £2,500.
Our consultant Ellie explains the ins and outs of employers’ liability insurance and why cover is key for so many small businesses.
Get a detailed employers’ liability insurance definition
If you have employees, contractors, casual workers or temporary staff, you are usually required by law to take out employers’ liability cover, to deal with any 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.
See also our employers’ liability insurance FAQ.
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.