It’s your responsibility as an employer to protect the health and safety of your employees during working hours. You’re legally required to have employers’ liability cover in place if you employ one or more people.
Some companies don’t need employers’ liability insurance, such as businesses that only employ close family members. In these instances, while it isn’t a legal obligation to have employers’ liability insurance, lots of businesses still choose it for the financial security it provides.
What Does Employers Liability Include?
- Legal costs and compensation for illness and injury claims, and defending health and safety law prosecutions
- Cover against claims made by all members of staff, including workers employed through government schemes
- Cover against claims by staff on work experience
- £500 compensation per day if you need to attend court (or £250 per day for employees)