Employers Liability Insurance

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Find out how employers liability insurance protects you should an employee suffer injury or fall ill as a result of their work for you.

Think it Won’t Happen to you?

It’s easy to assume that injury or work-related illness won’t affect your employees, especially if you’ve taken sensible steps to reduce the risk. But it’s a fact that, despite our best efforts, accidents do happen – and they are surprisingly common.

According to the Health and Safety Executive, around 1.4 million people were injured or fell ill as a result of their work in 2018, so the risks are very real.

It’s not just the distress at seeing a colleague affected that you should be worried about. There are the potential unforeseen costs too – legal fees and potentially compensation payments if the affected employee holds you liable. What’s more, in the case of work-related illness, the effects can take years to surface, so you could face historical claims too.

That is why employers liability insurance is so important. It is there to protect you against all these eventualities – and protect your livelihood against those unexpected costs. Employers liability insurance is important for all types of businesses from builders to takeaways.

What is Employers Liability Insurance?

Quite simply employers liability insurance is there to protect you and your employees if they are injured or fall ill as a result of the work they undertake for you.

It protects full and part-time employees, any self-employed contractors you might rely on, temps, apprentices, and volunteers – even people doing work experience with you.

What Does Employers Liability Cover?

Employers liability insurance is designed to pay any compensation awarded against you, plus any legal fees incurred in the event that an employee, or a former employee, claims compensation for a work-related illness or injury.

Do I Need Employers Liability Insurance?

The short answer is ‘probably’, because it is a legal requirement for any business employing people – even temporary staff or volunteers – to take out employers liability cover.

That said, there are some exceptions, for instance businesses whose only employees are close family members are not usually required to buy employers liability insurance.

How Much Does Employers Liability Insurance Cost?

The cost of employers liability insurance naturally varies depending on a number of factors – how many employees you have, how much you pay them, and the kind of work they carry out for instance.

The simplest way to find out is to get an employers liability insurance quote. At smei, we make buying the right insurance at the right price as easy as 1, 2, 3 – so you can either fill out a short form or give us a call for an instant employers liability UK quote.

Do you Offer Employers Liability Insurance for a Business Like Mine?

At smei we offer a wide range of insurance packages designed for specific types of business – from butchers shops and take-aways to manufacturers, offices, construction firms and social clubs – and many more besides.

All our packages include employers liability insurance UK cover as standard, which makes it even easier to make sure you are protected if the worst should happen.

So, if you don’t have employers liability insurance, it’s time to act. Get your employers liability insurance quote today, and make sure your business is properly protected.

Sources:

http://www.hse.gov.uk/statistics/
http://www.hse.gov.uk/pubns//hse40.pdf

* We randomly surveyed 54 new business policyholders (12.5%) with insurance start dates between 12 April 2019 and 1 August 2019. 93% made a financial saving by moving to smei, with an average saving of 15.96%. This data excludes commercial and residential insurance for landlords.