Learn more about Employers Liability Insurance with Tennyson the charity insurance experts

If you employ people in any capacity, you have a duty to protect them. This is so important that you are in fact required by law to have Employers Liability Insurance. This insurance protects employers from liabilities arising from disease, fatality, or injury to employees, which may have occurred as a result of workplace conditions or practices.

Example

An employee trips over a computer cable and twists their knee, which results in a prolonged period of physiotherapy and treatment to recover. They subsequently claim against you, alleging negligence in that you should have ensured that such an obvious ‘trip hazard’ was identified and resolved.

Who needs Employers Liability Insurance?

Any organisation which employs staff, including temporary or part time staff.

What does it cover?

Employers Liability covers you against compensation you might have to pay as damages in respect of injury caused to an employee whilst they are at work. Employee Liability insurance also covers organisations that need to defend themselves against actions taken against them for breaches of Health & Safety laws.

What does it not cover?

Our Employers liability cover does not include volunteers (who we cover under Public Liability). Nor does it include claims for motor accidents ( which should be covered under third party motor cover).

How much cover do I get?

The legal minimum cover is now £5m although we feel this is insufficient and offer a minimum of £10m.

What might it cost?

The premium is calculated according to the number of employees that you have and the nature of the work that they carry out.