Employers Liability Insurance

This an insurance you must have by law if you have employees, unless you are exempt. It covers the amount you legally have to pay employees for their work related death, injury or disease plus the legal costs relating to the claim. There is a certificate issued for this insurance which must be displayed at each place of business or employees given access to an electronic copy.

This insurance has a standard limit of £10,000,000 per incident inclusive of the legal costs, with higher limits available if needed. The premiums charged depend upon the activities of the employees, wageroll and claims experience.