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Employers Liability Insurance
If you have any employees then you are required by law to hold Employers Liability Insurance which you may hear being called 'EL' insurance. Employers liability insurance is usually bought in addition to Public Liability Insurance, you can get a quote online and get your professional insurance policy immediately via our online system.
What is Employers Liability Insurance?
Employers Liability cover enables you to meet the cost of damages and legal fees for employees who are injured or fall ill at work through fault of the employer. The minimum requirement is usually £5 million for employers' liability insurance or you could face fines of up to £2,500 per day. Although not all business and organisations need to hold employers liability insurance it’s always good practice to check and get the right insurance cover in place. You can check the legislation of the Employers’ Liability (Compulsory Insurance) by clicking here.
Most employers are legally obliged to take out Employers liability insurance. Successful claims cover compensation costs and legal fees for when an employee sues for illness or injury, this includes ex-employees.
It is important to know that employers liability insurance cannot be purchased as a standalone policy. This means it needs to be bought in conjunction with Public liability insurance or added onto a combined policy of Professional Indemnity and Public Liability Insurance. You can get quotes and buy online by clicking here.
The cost of Employers Liability Insurance varies depending on a number of factors and the amount of cover, Quotes via Professional Insurance Agents Ltd for employers liability insurance start from £45.00 a year.
The minimum limit of Employers liability insurance is £5 million, but most insurers offer coverage at £10 million as a standard limit. Professional Insurance Agents Ltd can offer bespoke insurance policies combining Professional Indemnity Insurance and Public Liability Insurance. If you would like to speak to a broker, please get in touch.