Employers liability Insurance

As a broker we can provide you with an online quotation for employers liability insurance, however you may actually be wondering 'why do I need employers liability?' and what does it actually cover you for. The following is a couple of examples to highlight why you need this type of insurance.

Generally speaking, if you have any employees then it is a legal requirement in the UK to have employers liability, failure to do so can result in a large fine for each day you are without it
If you had an employee who was working on a ladder then they could fall and injure themselves, they may then hold you liable as their employer and try to claim compensation from you.
You may have employees injure themselves whilst using potentially dangerous hardware such as a high power nail gun. In this case they may try and hold you liable for their injury.

If you have any employees then regardless of them being part time or casual you will still require employers liability insurance and can be asked to produce documentation proving you have this in place at any time. Whilst the legal minimum for employers liability is £5,000,000 you will generally find that most insurers provide a minimum of £10,000,000.