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Even in the safest workspace, accidents can happen. Every business needs some form of liability insurance, for that extra financial protection in case of an injury that leads to legal action as well as some peace of mind.
Liability insurance is usually split into two categories:
Liability insurance will cover any legal fees and expenses needed by your business, from the compensation awarding process to defending the claim.
Many insurers will offer both employers’ and public liability as part of a package as it’s rare that a business will only require just one stand-alone policy.
The Employers’ Liability Act 1969 (ELA) is a law that requires employers to have insurance to protect their employees in case of work-related injuries or illnesses.
Under the law, employers are legally responsible for the health and safety of their staff while they are at work. If an employee is injured or becomes ill as a result of their work, the employer may be held liable for damages.
It is a legal necessity for most businesses to have employers’ liability insurance.
The only exceptions to this requirement are companies that have no employees or businesses that employ only close family members.
If a business operates without the legally required level of employers’ liability insurance, it can result in hefty fines and legal penalties.
The amount of employers’ liability insurance coverage you need depends on the size of your business, the industry you operate in, and the specific risks your employees face on the job.
The law requires a minimum of £5 million in employers’ liability insurance coverage for all of your employees, including part-time workers, contractors, and temporary staff.
Many businesses opt for higher coverage limits to ensure they are adequately protected in case of a claim.
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Here are just some of the reasons why you should get a quote with us.
As one of the UK's leading insurance brokers, we specialise in niche insurance policies and will find you the coverage you need.
Renewals are always simple with us. We’ll compare the policies you need and find the most up-to-date offers to get you the best quote on the market.
If you need to change your insurance policy, our friendly team is only a phone call away and happy to help.
Our insurance experts will always find you the lowest price possible on the correct cover. However, if you send proof you’ve found a cheaper like-for-like quote in 48 hours? It’s money-back guaranteed.*
*Take out an insurance policy with One-Sure Insurance, and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like-for-like basis, we will cancel the Insurance policy and issue you with a full refund.
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