What is employers liability insurance?
Employer’s liability insurance provides cover for any claims made against an employer by its employee’s. This can include claims made for injury and illness which the employee believes is caused by the negligence of their employer.
How will I suffer an employers liability claim?
Any injuries, illness or damages to your employees for which negligence can be attributed to yourself as an employer could result in an employer’s liability claim.
If an employee suffers an injury through not being supplied with the proper safety equipment they will be entitled to make an employer’s liability insurance claim.
Can a former employee make a claim against me?
It is possible that a former employee can make a claim for illnesses that develop after they have left your employment providing the illness can be attributed to the work they undertook whilst in your employment. For this reason, you must keep all documentation of your employer’s liability insurance on file even once it’s expired.
What level of employer’s liability insurance do I need?
The Employers’ Liability Regulations Act stipulates that any company with employees who are based within the UK are required to hold a minimum of £5 million employers’ liability insurance. Due to the nature of the claims and the ever rising litigation costs most major insurers will offer £10 million of cover as standard.
