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Employers Liability Insurance

Employers Liability Insurance

Protection for employee compensation costs

What is employers liability insurance?

Often, running a successful business or organisation relies on your employees – whether that’s a full-time team, temporary staff, or volunteer workers. But if an employee gets injured or becomes ill as a result of working for your business, they may have a right to claim for compensation – and this can come at a high price.

Employers liability is a form of business insurance that covers you for the costs of any compensation claims brought by your employees. It also provides options for wider support too, such as legal costs – protecting your company from the disruption caused by a claim and enabling you to carry on business as usual.

An employer’s liability insurance policy is legally required for any company that employs people, even if you only have one employee.

What does employers liability insurance cover?

Employers liability insurance can cover compensation payments and legal costs if an employee sues their employer or ex-employer for a work-related illness or injury.

The compensation amount may be calculated to cover medical costs and lost income and, depending on the severity of the injury or illness, it could run into thousands or even millions of pounds. That’s why it’s so important that every business is properly insured.

Employers liability insurance covers:

  • Compensation claims for workplace injuries or illness
  • Legal fees
  • Health insurance payments

Why choose Aston Lark?

We know how much employees matter to every business, but there’s no one-size-fits-all approach. At Aston Lark, we understand the unique needs of every size of company – from international corporations to small businesses with just a handful of employees. So, we’re perfectly placed to provide bespoke employers liability policies that suit your company’s needs.

As one of the top three independent Chartered Insurance Brokers in the country, we work closely with leading insurers to cater for the different demands of our business customers. Our in-house claims service can provide reassuringly quick responses if you need to claim, and we also offer personal support and specialist advice from insurance experts – helping to ensure your employers liability cover is just right for you.

FAQs

What is employers liability?

Here in the UK, employers liability insurance is a form of business insurance that covers the costs of any compensation claim and associated legal fees that might arise in the event an employee falls ill or gets injured as a result of their work for you. It’s legally required for any business that employs people or relies on volunteers to carry out its work.

What does employers liability insurance cover?

Employers liability insurance covers the cost of claims made against your business by an employee or ex-employee who was injured or falls ill as a result of their work for you. It often includes legal cover too, in case the claim gets taken to court. The amount to pay will take into account costs such as medical care, loss of income, and other factors relevant to the case.

Do I need employers liability insurance?

If you are a business operating in the UK that employs at least one person, whether full-time, part-time, temporary, or volunteer, then yes – you need employers liability insurance. In fact, it’s a legal requirement to make sure your business is properly insured.

Who does employers liability insurance cover protect?

Employers liability covers your business, ensuring it can carry on operating in the event of a compensation claim or court case. It protects the business itself and, by extension, the rest of your employees too. Plus, it can prove invaluable to the person injured or ill, as it can provide the funds for their health care, lost income, and more.

If you would like to get in touch, please complete the enquiry form below or call us on:

020 7543 2807

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Aston Lark Limited is authorised and regulated by the Financial Conduct Authority, No. 307663, and registered in England and Wales, No. 02831010. Registered office: One Creechurch Place, London, United Kingdom, EC3A 5AF.

Aston Lark Employee Benefits Limited is authorised and regulated by the Financial Conduct Authority, No. 173304, and registered in England and Wales, No. 02792080. Registered office: One Creechurch Place, London, United Kingdom, EC3A 5AF.

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