If your business has employees – be they full-time, part-time, work for you on a temporary, contract or even a casual basis such as so-called ‘gig economy’ workers - then you need to have at least £5m of employers’ liability insurance in place: it’s the law. Failure to have adequate levels of insurance protection in place can leave you facing a fine of up to £,2500 per day.
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Employers’ liability – also known as EL insurance – is there to protect your business and your employees should they have reason to take legal action against you over injuries or loss that they have suffered in the course of their duties.
Compensation payouts resulting from these claims can be high and defending them can cost you dearly too, so it’s essential that you have this protection in place as part of your wider liability insurance package. Afterall, no matter how carefully you run your business, no matter how close your adherence to health and safety best practice is and no matter how generous an employer you are, accidents can happen.
If you have any employees, then yes: it’s a legal requirement to have it in place. The type of cover you need will depend on a number of factors, including;
With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.
*Ratings based on Coversure's 2016 Customer Survey.
Coversure's offices have years of experience in providing great value employers' liability insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.