Employers' Liability Insurance

Employers’ Liability Insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you. It can also cover legal and defence costs resulting from a claim.

If you are unable to provide your certificate of insurance along with other insurance details at inspection, you may be fined.

You require employers’ liability cover from the day your business starts employing staff. From the moment you have any person to whom you are responsible, whether paid or not, you are at risk of legal action. To qualify as "staff" a person does not have to be paid or under contract to you. It includes any person to whom you have a legal duty of care. This means that sometimes even sole traders will need employers’ liability insurance.

You are legally required to have cover for compensation of at least £5 million, but most policies will offer cover for £10 million. The cost of your premium is usually based on a number of factors including: the nature of your business; the number of people you employ (and/or the payroll cost); your previous insurance claims. In the case of larger organisations or where a number of employees are in one location, increased limits are recommended.

Marsh Commercial will recommend a product based on your needs, and highlight any significant policy exclusions or limitations.