Employers’ liability insurance protects you against claims for compensation by your employees, who might be injured or made ill, as a result of the work they do on behalf of your business.

As an employer you have a strict responsibility for the health and safety of your employees, and it’s important to protect yourself from workplace accidents and claims.

Also, the nature of your business and the risks associated with it mean that it’s vital to consider whether £5 million cover would provide you with appropriate protection.

Employers’ liability insurance is a legal requirement for almost all firms with at least one employee, and cover for at least £5 million is required.

There are some rare exceptions to this rule, including businesses which employ only close family members, though this is not the case if they are a limited company. A broker can help you to understand your legal requirement.

Premiums for Employers’ Liability Insurance are related to the type of work conducted by your business, and the risks associated with your business sector.

Also, it’s important to think about whether the minimum requirement of £5 million could provide sufficient financial protection for your business. Many insurers provide £10 million of cover as their standard. The value of cover is high because compensation claims for injury or illness can reach very high levels, and the cover needs to include legal costs too.

An insurance broker can help you to arrange employers’ liability cover, to meet the needs of your business and protect yourself from the risks associated with your business type, profession or trade.

Employees can include labour only sub-contractors, temporary staff, bona fide sub-contractors, directors and partners. Your  insurance broker can help you to determine the right cover for your business.

At Andrew Bull Insurance Services, we have expert knowledge and experience of employers’ liability insurance, for businesses across all sectors. We will understand your business in full, and identify employers’ liability cover that fulfils your legal requirements, with an appropriate level of protection for your particular business.

As a broker, we have access to a broad range of insurers, so you can be confident of good value Employers’ Liability Insurance from Andrew Bull Insurance Services.