Employers’ Liability Insurance

What is employers’ liability insurance ?

Employers Liability insurance (EL) covers the costs of employee claims for illness or injury caused by their work due to employers’ negligence and is a legal requirement under the Employers’ Liability Act 1969.

Say for example, an employee is injured or become ill whilst operating a machinery due to the employers’ negligence such as poor machine maintenance, training, or in adequate protective equipment. It covers any damages, compensation costs and legal fees that employees (current and previous) are entitled to as a result of illness or injury which may have been caused while working for your business.

Employers’ liability insurance covers:

• Part time and full-time employees
• Self-employed contractors you hire
• Anyone taking part in work experience or a training scheme.
• Temporary staff, apprentices and volunteers.

Employers’ liability cover is required in the long-term, because some claims /incidents will only come to light several years after the original event. Previous liability cover can be traced through ELTO (Employers’ Liability Tracing Office) which reinforces the need to comply with the law in purchasing employers’ liability insurance on an ongoing basis to avoid any gaps in cover.

Do I need employers Liability cover

The basis is that if you employ at least one person to work for your business, you therefore will need a suitable employers’ liability insurance policy to meet the minimum legal requirement.

At Eaglemat, we can search the market for you to find adequate cover of £10 million, for the best price we can and from insurers you can trust thereby eliminating the risks your business may face at a price you can afford.

 Cover limits

The minimum coverage required by law is £5,000,000. Cover limit will depend on your circumstances

At Eaglemat, we have an in-depth understanding of your sector, offering a selective panel of market-leading insurers and specialist providers. Let us do the hard work for you while you relax. For quote today, just call  0333 355 2761 or fill out the form below, and we will be happy to help.