Employers Liability Insurance
If your business has employees, you require Employers Liability Insurance to cover your business in the event of a claim for compensation if one or more of your employees were to be injured or become ill whilst at work.
An example of a situation when you would need to claim on your Employers Liability Insurance would be if an employee is injured while working on machinery without the proper safety precautions being in place.
Employer’s Liability Insurance also covers your business against claims for employee illnesses that have been contracted as a result of working for you, even if they manifest after the person has left your employment. For this reason, you must keep on file all documentation related to your Employers Liability Insurance even if it has expired.Start your quote
An example of a claim
A self-employed contractor was working exclusively for the insured business. While at work he jammed his hand in between a lintel and a metal bar, causing a serious laceration.
What did the insurer cover?
The insurer paid out damages to the contractor under the Employers Liability Insurance cover at a cost of £49,990
What level of employers liability cover do you need?
Employer’s Liability claims can be very expensive and as such the standard level of cover of business insurance policies is £10 million. CHAS Insurance can arrange much higher levels of cover depending on your business size.Talk To Us Today