Employers' Liability


What is it?

Employers’ liability insurance protects you by allowing you to meet the cost of any legal fees and compensation due to your employees if they are injured or become sick at work. If you employ one or more people in your business it is a legal requirement that you have Employers’ Liability Insurance in place.


Who needs it?

The minimum cover for a business is normally £5million although you might need a higher level of protection. A standard limit granted by insurers is £10million. We will advise you of the right amount to make sure that you are adequately covered.


Examples of issues protected by Employers’ Liability cover

Repetitive strain injury (RSI)

Workplace stress

Slips and trips

Industrial deafness



What having Employers’ Liability means to you

If an employee makes a claim against you we will provide you with expert advice and support. If you are held liable for any injury or accident we will pay your legal and compensation fees, although you would still be liable to pay any punitive damages.