Do I Need Employers' Liability Insurance?

As part of our employers' liability insurance video series this video looks at who needs this insurance and the legal implications if you don't have adequate cover. Learn about how employers’ liability protects your employees and your business. Check out the video to find out more...

Video transcript

Hi, my name is Ben Leech, and I'm an adviser for Towergate.

In this video I’m going to address the question of whether you need employers' liability insurance.

So let’s start with the short answer: If you have employees, yes - you need employers' liability insurance.

And not just because it is a legal requirement either, but because as employers, we have a duty of care to our staff.        

There are few situations where a business is not legally required to have employers' liability insurance, for instance, if all your employees work abroad, UK law would not require this of you. But this doesn’t mean they don’t have a duty of care to their employees, or that they wouldn’t be held liable if there was a claim. 

So what is Employers’ liability insurance?

Well, it protects employees if they are injured as a result of an accident at work or if they become ill as a result of doing their job.

If you, the employer is responsible and compensation has to be paid, employers’ liability insurance can provide funds to make these payments. It can also cover the legal costs in dealing with such a claim.

So how much cover do you need as employer?

The legal minimum is five million pounds in the UK. Ten million however is closer to the cover most business operate with.  For example, many of the policies Towergate sell offer this much as standard.

Ten million might sound like a lot at first but imagine someone has an accident and they needed rehabilitation and care for the rest of their life. With employers' liability insurance you can be sure you have the cover to provide this for them in any case where you are liable.

Browse our liability videos for more info or contact us today to speak with an adviser.

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