Employers Liability insurance covers compensation payments and legal costs if an employee or ex-employee, sues your business for a work-related illness, disease or injury. Compensation claims made by an employee or ex-employee, can include items such as injury, medical costs & loss of income.

If your business has at least one employee, or you employ labour-only subcontractors, you will need Employers Liability insurance, even if your employees only work on a part time basis. If your business has any volunteers, apprentices or work experience staff working for you in some capacity, Employers Liability insurance is also needed.

Employers Liability insurance is a legal requirement for most UK businesses with at least one employee. The minimum cover level required by law is £5 million, and the fine is up to £2,500 for each day that the employer doesn’t have insurance in place. Some organisations are exempt from this legislation, for example a business that only employs close family.

Employers Liability insurance is only usually available as part of a Combined Liability policy, which also includes Public & Products Liability insurance. Should you wish to know more, or would like for Integrum to review your insurance needs, please get in touch or complete our contact form for a member of our team to contact you.