Employers’ Liability
Insurance
Employers’ liability insurance is essential for all SMEs in the UK, as it helps businesses cover the legal costs and compensation if an employee files a claim for a work-related injury or illness.
- Experts Advice
- Tailored Policies
- Claims Support
Overview of Employers’ Liability Insurance
Employers’ liability insurance is a legal requirement under the Employers’ Liability (Compulsory Insurance) Act 1969. It covers the compensation costs, damages, and legal fees that your business may incur if an employee makes a claim for a work-related injury, illness, or loss.
This insurance protects your business if your employees are injured, become ill, or suffer a loss while working for you. It is crucial for both businesses and their employees to have this insurance in place as an essential safety net.
Employers’ Liability Covers
Employee Illness
Claims
Employers’ liability insurance covers claims made by employees who become ill as a result of their work or work-related activities. It includes compensation and legal costs associated with such claims.
Employee Injury
Claims
The insurance provides coverage for costs and compensation if an employee is injured while working for your business. It also helps with legal defence and compensation expenses you may incur.
Ex-Employees or
Temporary Staff
Claims
Employers’ liability insurance extends protection to claims made by ex-employees or temporary staff. It covers accidents, injuries, or exposure that could cause harm or loss to workers, whether they are full-time, part-time, or temporary.
Safety Net for You and Your Business
Ensure complete protection against unexpected claims made by your employees or staff members. With full coverage for compensation claims, you can safeguard your business and have peace of mind.
Who is Employers’ Liability Insurance For?
Employers’ liability insurance is essential for businesses and organisations that employ staff, whether full-time, part-time, temporary, or casual. It is designed to protect employers against compensation claims made by employees who suffer work-related injuries, illnesses, or accidents.
This insurance is ideal for small businesses, large organisations, contractors, charities, and non-profits. In the UK, employers’ liability insurance is a legal requirement for most businesses.
Why is Employers’ Liability Insurance Essential?
Employers’ liability insurance is essential as it protects businesses from the financial and legal complications arising from workplace injuries or illnesses sustained by employees.
It is a legal requirement and mandatory for businesses that employ permanent or temporary staff. This insurance provides financial protection for employers and the organisation, while also supporting employees’ welfare. Additionally, it helps businesses safeguard against potential future claims.
Why Choose SIS Employers’ Liability Insurance?
SIS employers’ liability insurance provides peace of mind by protecting your business from unwanted compensation claims made by employees while on the job. Our policies are tailored to support business growth without the worry of employment-related issues.
We offer customised insurance solutions for businesses across various sectors, ensuring competitive pricing and a straightforward process.
Affordable Rates
Flexible Policies
Simple, Hassle-Free Process
Our Simple, Clear, and Hassle-Free process
Report the
Incident
Submit Related
Documents
Assessment &
Evaluation
Receive Your
Compensation
Explore What’s Covered and What’s Not?
Employers’ liability insurance covers full-time and part-time employees, salaried or unpaid staff, self-employed contractors you have hired, temporary workers, and anyone working for your business.
However, the policy does not cover intentional acts of self-harm or injuries. It also does not extend to public claims made by third parties, such as customers or visitors. The coverage is specifically designed to protect employers from employee-related claims only.
Find a Trusted Broker for Your Employers’ Liability Insurance Policy
At SIS, our team is highly trained to offer expert advice and guidance to small and medium-sized business owners. Get in touch with our experienced insurance brokers today to secure your employers’ liability insurance policy. We’re here to help you find the right cover for your business.
Get Answers to the Most Commonly Asked Employers’ Liability Insurance Questions
Discover simple answers to the most common questions about employers’ liability insurance. Get the information you need to understand our insurance policy.
What does employers' liability insurance do?
An employers’ liability insurance policy helps with the legal costs or compensation you may need to pay if an employee makes a claim and takes you to court. As an employer, you may have to pay damages or defend yourself. Employers’ liability insurance is designed to help with these expenses.
How much employers' liability coverage do I need?
The coverage you need depends on the number of employees, the nature of your business, and its size. It’s not just for employees and contractors – it covers anyone working for you in any capacity.
What is the difference between employers' liability and public liability?
The key difference between these two policies is where the claim originates. If a member of the public makes a claim, you will need public liability insurance. However, if an employee or someone working for your business makes a claim, you will use employers’ liability insurance.
Who is usually exempted from employers' liability insurance?
You are not required to have employers’ liability insurance if your business has no employees, if you are the sole worker in your business, or if you run a family business and employ only close relatives, such as a husband, wife, son, or daughter. In these cases, employers’ liability insurance is not mandatory.