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.