Employer’s Liability Insurance
Employer’s Liability Insurance (EL) is a business insurance policy that covers the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.
Cover can include medical costs, legal costs, and loss of incomes, as well as any other damages.
This could be an employee falling off a ladder who hasn’t received the correct training. It could also be an employee working on a production line for hours without a break. The employee may suffer a repetitive strain injury as a result.
If a former employee starts to show symptoms that have been the result of the work they performed for your business, this may also be covered. You should check your policy documents carefully to confirm this.
It is a legal requirement that this cover is purchased if you have one or more employees.
The legal minimum of cover is £5,000,000. Caunce O’Hara provide £10,000,000 cover as standard.
Who needs Employer’s Liability insurance?
Employers Liability cover is required by law for most businesses. You will need it if:
- If you deduct Income Tax and National Insurance Contributions from the money you pay your employees.
- You have control over where and when your employees work.
- You have the right to claim profit made by your employees.
- You provide the equipment and materials your employees use.
- You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
- You have part-time or temporary employees.
Are there any exemptions from Employer’s Liability insurance?
Employers Liability cover is not usually required if:
- You are a limited company with only one person employed and that person owns more than 50% of the share capital.
- You are a sole trader (not a limited company) who is the principal of the business.
- You work in a Partnership where the directors are equal partners and do not employ any staff.
- You are a company where all of the employees are direct family members.
Call one of our friendly team on 0161 833 2100 for a quote.
Call 0161 833 2100 today for a free quotation.
Keeping your business covered
Our flexible policies let you choose the right level of cover for your business. And if you’re not sure, just give our knowledgeable insurance experts a call and we’ll help you choose. Our cover includes:
Business Insurance Products
In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:
Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.
Call 0161 833 2100 today for details.
Legally required for your business, we provide £10 million cover if you have to pay compensation or legal fees because your staff get ill or injured at work. Call 0161 833 2100 today for details.
24 hour a day protection (not just while you’re at work) against personal accidents or sickness, to make sure you can keep paying the bills. Cover from £50,000 for just £35 a month. Call 0161 833 2100 today for details.
Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business. Call 0161 833 2100 today for details.
Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for only £75 a year! Call 0161 833 2100 today for details.