Employers’ liability insurance
Protecting your business from staff injury or illness claimsEnsuring you, as an employer, are covered
Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. As an employer, you fall responsible for the safety of your people when they’re working. Employers’ liability insurance covers the third-party costs, such as damages, compensation and legal fees that a current or ex-employee is entitled to, should a work-related illness, injury or death befall them as a result of working for your business.
What’s included in an employers’ liability insurance policy?
- Third-party costs, for example:
- -Injury compensation
- -Medical expenses
- -Loss of earnings
- -Future earnings
- -Additional expenses
- Legal expenses
- Investigation costs
- Typical indemnity limit of £10,000,000
Common types of employee accidents or illnesses we can help insure you against:
Workplace accidents and fatalities
Slips, trips and falls from height
Manual handling injuries
Psychological conditions
Long-term illness and occupational diseases
Repetitive strain and overuse injuries
We see ourselves more as your insurance partner, rather than just an insurance broker
The day-to-day running of a modern business can be complex and time-consuming. Insuring it is no different. Without specialist advice, you may be leaving yourself vulnerable to:
Gaps your cover that you aren’t aware of
Not insuring your property and assets for the correct value
Paying for more cover than you need
The risk of your business closing following a claim
NFP, your specialist people and insurance risk management partner
Harness NFP's global scale, our technology and our people-first approach to support your business growth.
Frequently asked questions
The cost of employers’ liability insurance is calculated based upon the number of employees, size of a business, type of work that employees undertake whether the work is manual or clerical, the environment that they work in, and risks involved. For example, a woodworking machinist would be rated at a higher risk than an office worker at the same company.
Our quote will be given after we have sat down with you to fully understand your business and its needs.
Employers’ liability insurance is a legal requirement and failure to not have a policy in place is punishable by a fine, currently £2,500 a day for each day that you are not properly insured.
Public liability insurance covers claims made by third parties, such as customers or the public, for injuries or damage to their property caused by your business. In contrast, employers’ liability insurance is for businesses with employees and covers claims from workers who are injured or fall ill due to their job. Both are legally required in the UK.
Employers’ liability insurance can help you cover the cost of a claim made by an employee who has fallen ill or been injured due to their job.
Employer’s liability insurance can cover;
- Full-time and part-time employees
- Salaried or unpaid staff
- Any self-employed contractors you hire
- Temporary staff
- Apprentices or volunteers
- Anyone taking part in work experience or training schemes
NFP, your specialist people and insurance risk management partner
Harness NFP's global scale, our technology and our PeopleFirst approach to help your business thrive.
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