Employers’ Liability Insurance
Why do you need Employers’ Liability Insurance?
Employers’ Liability Insurance is compulsory by law for most businesses. As an employer, you are responsible for the health and safety of any worker under a contract of service. If a worker suffers an injury or an illness that they believe is your fault, they may try to claim compensation from you.
- Workplace injuries
In 2016/17 over 679,000 workers sustained a non-fatal injury1 and 144 workers were killed in 2017/18 as a result of a workplace accident.2
- Employee claims
Employers’ Liability Insurance provides cover for claims made by past or present employees, volunteers, and the like.
- Health and Safety inspections
If you are unable to provide your certificate of insurance along with other insurance details at inspection, you may be fined.
How our liability experts can help
Whether arranged as part of a commercial combined insurance solution or in isolation, we have experience in arranging this cover for companies across most industries and of different sizes. We can advise you on the level of cover you may need within the appropriate insurance package for you.
CONTACT YOUR NEAREST EMPLOYERS' LIABILITY EXPERT
We have expert advisers all over the UK. To find help near you and learn more about Jelf in your business community, input your full postcode below.
Jelf & Clark Thomson
By bringing together Jelf and Clark Thomson we become both Scotland and the UK’s leading community broker and client advisory business. Working together we will continue our journey to build and shape an exceptional business for our colleagues, clients and communities.
Public Liability Insurance
If a serious accident occurs in-store, or because of faulty products, an investigation by health and safety authorities could arise. Public Liability and Product Liability Insurance provide protection for claims brought against you by affected parties.
Management Liability Insurance
You’ve worked hard to make your business a success. But in today’s world of regulations and legislation, an individual pursuing legal action could put your livelihood at risk. As a company director, you could be held personally liable. We can provide expert guidance to find a solution that best suits your business objectives.
Professional Indemnity Insurance
Whatever your needs, our team of professional indemnity insurance specialists can help cover you against the risks you and your business face. We understand that every business is different and we can recommend solutions to cover your business against a wide range of risks.
What our clients say
We know that without you, our clients, we would not be in business. Your feedback helps us to continue providing a great service and to improve the things that matter most to you.
Frequently asked questions
You need Employers’ Liability Insurance for all types of staff that work for you. Note that an ‘employee’ is not necessarily someone who is paid by you – this can be anyone under a contract of service including volunteers or any person under your temporary control, whether on a contract or not:
- full-time employees
- part-time employees
- voluntary workers
- seasonal staff
- contract staff
- labour only sub-contractors
- students or work placements
The latest liability articles
From 1 April 2019, employers throughout the UK must pay their workers the new statutory National Minimum Wage (NMW) and National Living Wage (NLW).
Could you be liable if you employ someone to work within the UK, who doesn’t have the relevant rights? Yes.
What our clients say
Alex was efficient and his advice straight and to the point, I am happy with the service provided.
Nia is always so helpful and friendly, and always on the end of the phone when I need advice.