Employers’ Liability Insurance
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As a business owner, ensuring you’re protected against risks is vital, especially when it comes to maintaining a safe and secure workplace. Employers’ liability insurance is a legal requirement for most businesses in the UK. It offers protection should an employee experience illness, injury, or accident in the course of their employment. This crucial cover helps businesses manage compensation claims, legal fees, and other associated costs, offering reassurance for companies that employ staff. At Addison Bradley, we specialise in tailored liability insurance policies, helping businesses of all sizes get employers’ liability insurance that fits their specific requirements. Get a quote online or by calling us at 020 7355 1616 today.
What Is Employers' Liability Insurance?
Employers’ liability insurance is a type of business insurance designed to protect employers against the financial risks associated with employee claims. If an employee suffers an injury or illness at work and holds the business responsible, this insurance covers legal fees, compensation costs, and other claim-related expenses. In the UK, most businesses are legally required to hold employers’ liability insurance, even if they employ just one person or hire temporary staff.
This cover is particularly important for limited companies and family businesses, as it ensures compliance with UK law while helping to manage unexpected costs arising from claims. Having an employers’ liability insurance policy in place means your business is prepared to handle challenges effectively, enabling you to focus on day-to-day operations and growth.
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Who Needs Employers’ Liability Insurance?
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Most UK businesses employing staff are legally required to have Employers’ Liability Insurance. This includes full-time, part-time, temporary employees, or contractors. The requirement applies to limited companies, family businesses, and even sole traders who employ others. If your business employs staff, you are legally obliged to hold this insurance to cover compensation claims for workplace injuries, illnesses, or accidents. This cover is equally important for businesses employing seasonal or temporary staff, as well as public organisations and charities.
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What Does Employers’ Liability Insurance Cover?
Injury Claims
If an employee suffers an injury while at work, such as slipping, falling, or when using machinery, Employers’ Liability Insurance covers the legal costs and any compensation awarded.
Illness and Occupational Disease
Workplace conditions can sometimes result in illness or long-term health issues for employees. Employers’ Liability Insurance covers claims related to these illnesses, such as those caused by exposure to harmful substances.
Legal Fees and Defence Costs
If an employee files a claim against your business, legal fees can quickly escalate. Employers ‘Liability Insurance helps cover the cost of legal representation, as well as court fees and other associated expenses.
Compensation Payments
If an employee’s claim is successful, your policy will cover the associated compensation costs. This may include payment for medical treatment, loss of earnings, or ongoing rehabilitation.
Claims from Former Employees
Employers’ Liability Insurance also protects against claims made by former employees for conditions or injuries linked to the workplace at your business.
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FAQs
Employers’ Liability Insurance Frequently Asked Questions
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Is Employers’ Liability Insurance a legal requirement?
Having Employers’ Liability Insurance is a legal requirement for most businesses in the UK. You may also require Employers’ Liability Insurance if you are a sole trader, own a small business or are part of a global organisation. Not having Employers’ Liability Insurance coverage in place can result in significant fines, such as £2,500 for every day that you don’t have a policy. Get a quote from us online or by calling us at 020 7355 1616.
How much does Employers’ Liability Insurance cost?
The cost of Employers’ Liability Insurance varies depending on various factors such as the size of your business, the number of employees in the business, the nature of your work, risks associated with the profession, and your annual turnover. For an accurate quote, contact Addison Bradley at 020 7355 1616 today.
Do I need a certain number of employees for Liability Insurance?
No, you don’t need a certain amount of employees to require Employers’ Liability Insurance. Even if you have just one employee, including temporary or self-employed contractors, you are legally obliged to have this cover in place under UK law. It ensures protection for both you and your employees in case of workplace claims.