Employers' Liability Insurance

What is employers' liability insurance?

If you employ anyone even on a part-time or temporary basis, even if you are a club relying solely on volunteers you are required to take out employers' liability insurance. Under the 1969 Employers' Liability (Compulsory Insurance) Act & 2008 amendment, you can face a fine of up to £2,500 for every day you are uninsured. Should an employee suffer an injury during the course of their work you could be held financially liable.

What does employers' liability insurance cover?

Employers’ liability insurance is designed to cover the costs if an employee claims compensation for illness or injury that they believe has been caused by their work. Employers’ liability insurance can cover the compensation payment and the legal costs, up to the limit of the policy.

How will employers’ liability insurance benefit my business?

Employers’ liability insurance protects you against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. Employers' liability insurance is an important way to safeguard your business against financial disaster.