Employee Liability Insurance

Employee liability insurance, also often referred to as employers liability insurance, is a legal requirement for all employers, whether you are employing people directly or engaging the services of labour only sub contractors. Providing you with cover should an employee sustain an injury or what is termed an ‘industrial disease’ whilst in your employ, employee liability insurance means that your insurance pays in the event of a compensation claim, rather than your company.

Employers liability insurance is required by law under the Employer’s Liability (Compulsory Insurance) Act 1969, and it is illegal for any business who employes anyone to operate without this insurance in place. Whilst all employers know that employee liability insurance is compulsory, many don’t know that if you’re looking for cheap public liability insurance quotes, you can often get this form of insurance as part of your cheap liability insurance package.

Although you can bid for work without public liability insurance, UK legislation means that accidents at work and damage to property must be covered by your compulsory insurance. There are some exemptions for family businesses, although it is unwise even in these circumstances to operate without any form of insurance. For small, family businesses, small business liability insurance is an alternative, giving you the cover you need to protect both your own interests and those of your employees, whether they are family members or not. If you have sub-contractors working for you, it is strongly advised that you check they have their own insurance policies in place before commencing work.

If you would like to know more about employers liability insurance, compare quotes online or contact us for help or advice.