Articles >> Employers Liability Insurance

Employers Liability Insurance is a type of insurance that is legally required if you have any employees, and will offer you cover for any bodily injury that your employee may suffer for which you could be held legally liable.

Although Public Liability Insurance is not a legally required insurance you will have to have it if you have employees because you cannot get employers liability insurance without first having public liability insurance. So this means that you will then be covered for any third party injury you may cause during the course of your work and any injury that happens to any of your employees that is deemed to be your fault.

Whilst you can choose what level have your public liability insurance at, one million, two million or five million pounds of cover, employers liability generally is a set amount of ten million pounds worth of cover. If you have employees and you don't have the employer's liability insurance then you could be fined up to £2500 for every day that you work without the insurance in place.

 

Many people may be wondering that if public liability insurance covers any third party injury why do you need employers liability insurance as well and that is because public liability insurance would not cover any incidents that involved your employees getting injured, for example if one of your employees was working on a ladder that you had given them and it was to collapse causing them to fall and injure themselves then you would beheld liable for their injuries and would have to pay damages to them which is where your employers liability insurance comes in.

There are certain restrictions and circumstances that this type of insurance won't cover, for example I the employee was injured getting into or whilst in the work vehicle or if they are driving the work vehicle as the insurance will only cover claims that result from them doing the actual work that they have employers liability insurance for and not on the way to and from their jobs.

 

So if you have employees then you should look at getting employers liability insurance so that you can keep up with the law and protect yourself from certain circumstances involving your employees.