Employers’ liability insurance

Covers you against the cost of:

  • claims arising from the same accident or event made by your employees for bodily or mental injury or disease as a result of their work during the period of insurance
  • expenses incurred with our prior written agreement to defend you if the government or an administrative or regulatory body bring any criminal legal proceedings against you

You may face additional risks if:

  • you employ other people, even on a part-time or short-term basis
  • you use subcontractors, self-employed or voluntary workers
  • your clients require you to have employers' liability cover

 

What's covered

We'll pay up to £10,000,000 including legal costs for all claims arising from the same accident or event made by your employees for bodily or mental injury or disease as a result of their work during the period of insurance. This is limited to £5,000,000 where the claim arises from terrorism.

We'll also pay for the legal costs you incur with our prior written agreement to defend you if the government or an administrative or regulatory body bring any criminal legal proceedings against you, up to £100,000 in total during the period of insurance.

If you, your directors or employees have to attend court as a witness in connection with a claim against you, we'll pay compensation of up to £10,000 in total.

For the full details of what's covered, see your policy documents.

What's not covered

We will not make any payment for:

  • injuries caused by a vehicle where motor insurance is compulsory
  • any deliberate or reckless acts
  • injuries occurring while travelling to, on board, or returning from an offshore rig or platform.
  • For the full details of what's not covered, see your policy documents.

 

How much employers' liability cover do I need?

It's compulsory for most companies with employees to have at least £5,000,000 of employers' liability insurance in place. Our policy provides £10,000,000 of cover.

We use subcontractors from time to time – would they be covered under my policy?

Yes. It covers claims brought by anyone working for you in connection with your business under your control or supervision. This includes subcontractors, voluntary helpers and those who are self-employed working on a labour-only basis.