Employers’ Liability Insurance (EL) is a type of insurance coverage designed to protect employers against claims made by employees who have suffered work-related injuries or illnesses. It is a legal requirement for most employers in the UK who have one or more employees, with only a few exceptions.

The main purpose of Employers’ Liability Insurance is to provide financial protection for employers in case an employee is injured or falls ill while performing their job duties, and they hold the employer responsible for the incident. Such claims can result in significant financial liabilities for the employer, including legal costs and compensation payouts, which can be financially damaging to the business if not adequately insured.

Key features of Employers’ Liability Insurance include;

• Legal Compliance: Employers’ Liability Insurance is a legal requirement for most businesses in the UK with employees. It ensures that you meet your legal obligations, preventing potential fines and penalties.

• Financial Protection: EL offers vital financial protection to your business by covering the costs of legal defense and compensation if an employee makes a claim due to work-related injury or illness.

• Employee Coverage: This insurance extends beyond permanent employees to include temporary staff, part-time workers, contractors, and in some cases, volunteers. It provides comprehensive coverage for your entire workforce.

• Occupational Injuries & Illnesses: EL safeguards your business against claims arising from workplace accidents, injuries, and occupational illnesses, including long-term health issues that may surface later.

• Peace of Mind: With Employers’ Liability Insurance, you can run your business with confidence, knowing that you have a safety net in place should an unfortunate incident occur.

• Legal Support: In the event of a claim, EL not only provides financial protection but also offers access to expert legal support to handle the case efficiently.

• Reputation Protection: Handling claims responsibly and compensating injured employees can help protect your business’s reputation and maintain a positive employer-employee relationship.

• Flexibility: Whether you have a small business or a large enterprise, Employers’ Liability Insurance can be adapted to suit the size and nature of your organization.

Our primary goal is to make the process of obtaining Employers’ Liability Insurance as smooth and efficient as possible for you. Here’s how we can assist you in securing the right coverage:

• Understanding Your Business: We will take the time to understand your business and its unique requirements. Whether you’re a small startup, a mid-sized company, or a large corporation, we’ll assess your specific needs to recommend suitable coverage.

• Access to Multiple Insurers: As an independent broker, we have access to a wide network of reputable insurers that offer Employers’ Liability Insurance. we can shop around on your behalf, comparing different policies to find the best coverage at competitive prices.

• Tailored Policy: We work closely with you to tailor the policy to match your industry, the number of employees, the nature of work, and any specific risks associated with your business operations.

• Compliance Guidance: We’ll ensure that your policy meets the legal requirements set forth by the Employers’ Liability (Compulsory Insurance) Act 1969. This way, you can be confident that your business is fully compliant with the law.

• Explaining Coverage: We’ll provide clear and comprehensive explanations of the coverage offered by different policies. This way, you’ll have a thorough understanding of what is included in your insurance and what it protects against..

• Handling Claims: In the unfortunate event of a claim, we will be there to guide you through the claims process. We will act as your advocate and liaison with the insurer, ensuring a smooth and fair resolution to the claim.

• Policy Reviews: As your business grows or changes, your insurance needs may evolve. we’ll conduct periodic reviews of your policy to ensure it remains up-to-date and continues to meet your business requirements.

• Ongoing Support: We are here to provide ongoing support throughout the policy term. Whether you have questions, need to make changes to your coverage, or want to explore additional insurance options, we’ll be available to assist you.

• Saving You Time and Effort: We take on the task of researching, comparing, and negotiating insurance policies on your behalf, saving you valuable time and effort while ensuring you get the best possible coverage for your business.

Simply get in touch – Depending on the size and complexity of your business the information we require varies in every case.

Feel free to email or call and one of our commercial team will be on hand to assist.

Alternatively you can complete the contact form (with our contact information below). Here you can specify your requirements, a preferred time & contact type – we will receive this in the office and one our advisors will be in touch as requested.