Employers’ Liability Insurance Cover

Employers’ Liability Insurance covers you in the event that a claim is brought against you by a member of staff; it is legal requirement when your business has more than one member of staff.

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Employers’ liability insurance cover – overview

Devitt’s employers’ liability insurance cover provides employers with legal protection and can pay out in the event that a staff member makes a claim against you. If you have more than one member of staff, employers’ liability insurance is a legal requirement. How much you pay really depends on the industry that you’re in and how many employees that you have, but the cover provided is the industry standard of £10million.

What does your employers’ liability insurance cover include?

Our cover will pay out in the event that a member of staff – including labour-only staff or freelance subcontractors working on your premises – sues you. Staff could choose to make a claim against you for a number of reasons, for example, if they believe that they sustained an illness or injury due to their work for you. This doesn’t necessarily mean that they have to injure themselves for work – for example, if inadequate measures have been put into place to ensure the mental wellbeing of your staff and they end up ill, this could also result in a claim. This insurance covers things like legal expenses if you end up having to go to court and medical expenses should you have to pay for any of your employee’s fees. For a full list of all of the cover that the insurance provides, give our Commercial Team a call on 0345 604 3352 and one of our advisors will be happy to go through everything with you.

How to get a quote

To get a quote, again, you’ll need to give our Commercial Team a call. We’ll need to take quite a lot of information from you, such as the number of employees you have, the nature of your work (for example, if you have staff working on a construction site, the premium will be higher than if you have staff working in an office as there’s a greater risk of accident or injury). The location of your business will also make a difference, as well as if there are any products at the premises that are more likely to cause injury – for example machinery or tools. You can also fill out our online quote form and we’ll get back to you as soon as we can.

If you need any extra business information or advice, call our Commercial Team and they’ll give you all the info you need. If you need to make a claim, please refer to your policy booklet for your insurer specific claim line.

15th October 2018

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