Employers Liability Insurance
- Quick and simple form
- Multiple quotes
- Instant cover
- Public Liability Insurance
What is Employers Liability Insurance and why do you need it?
Employers liability insurance is a legal requirement for most employers. The Employers Liability (Compulsory Insurance) Act 1969 sets out a minimum level of employers liability required, currently at £5,000,000 (although most insurers offer £10,000,000 as standard cover).
As an employer you are responsible for the welfare of your employees when they are at work, either at your premises or working on your behalf away from your premises.
The Health and Safety Executive (HSE) has specific requirements that employers must meet, irrespective of insurance policies, however, the employers liability insurance policy will enable companies and business to pay compensation to any of those employees who may suffer injuries or illness on or off the premises and could be considered a fault of your organisation.
It is important to stress that if you employ staff you must make them aware that you hold a current employers liability certificate and that it is displayed in your offices or available to look at electronically. If you do not have an employers liability insurance certificate and employ staff you could face a fine of up to £2,500 a day for not doing so. It is therefore critical to check with your insurance broker if this applies to your business.
You may also wish to consider professional indemnity insurance and public liability insurance
Compare employers liability insurance policies now
The PIA online Quote and Buy system has been specifically developed to cater for the business insurance needs of small and medium sized companies. With a number of leading insurers, including Aviva, Hiscox, HCC, Catlin, Brit and W. R. Berkley, you can be sure that using our online system you will be able to find the cover best suited for your business.
PIA compares the market on your behalf to provide you with the best small business insurance quotes from the UK's leading commercial insurance companies.
If you have any questions, please call us on +44 (0) 1323 648000
