Employers Liability Insurance is a legal requirement. All employers must maintain employers liability insurance to cover them should an employee suffer a work related injury or disease. Even if your employees are part time, work experience or volunteers they can still be considered employees so employers liability insurance should be in place.
If you purchase employers liability insurance you will be issued with an employers liability insurance certificate. This certificate must be made available for employees to view and a copy of the certificate needs to be kept on file should a claim arise, even many years after the alleged cause of the injury or disease.
Employers liability can be purchased on its own but is more commonly available alongside public liability and products liability or as part of a commercial package or commercial combined policy.
Employers liability is not designed to cover employment law events such as wrongful dismissal or discrimination, which may be covered by a Legal Expenses or Directors & Officers policy.
For help or advice with employers liability insurance please email us or telephone 01905 21681
Act now! Call us on 01905 21681 to get your insurance needs met