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Employers liability insurance

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Do you employ people, even contractors or volunteers?

Employers liability insurance covers the cost of compensating employees who are injured at or become ill through work.

Do I need employers liability insurance?

If you employ anyone, or control the way in which they work, it is a legal requirement that you have employer’s liability cover. If a member of your staff is injured at work, contracts an illness or suffers from a disability due to their employment, you could face a major claim for compensation and if you don’t have cover, you could be prosecuted and fined.

Who does it cover?

  • All your permanent employees
  • Your contract, casual and seasonal employees
  • Your labour-only subcontractors
  • Trainees or persons on work experience
  • Volunteers

Cover at a glance

  • Legal costs and compensation for illness and injury claims and defending health and safety prosecutions.
  • Cover against claims made by all members of staff, including workers employed through government schemes.
  • Cover against claims by staff on work experience.
  • Compensation per day if you need to attend court (rates vary).

Claim examples

An office worker badly injures their knee when they trip over a loose carpet tile. A builder is electrocuted by a piece of faulty mixer provided by their employer.

  - The labourer suffers from RSI from using power tools.

 - The factory worker suffer from deafness after working in a noisy plant room.

With each case a claim was made against the employer or former employer. The court ordered the employer to pay compensation for injury, costs and other damages.


Why use a broker?

You will have your own dedicated account manager, who will make it easy for you to switch from your existing insurer. We offer you flexible payment options, bespoke insurance solutions, specialist knowledge & impartial advice.

If a claim has to be made, we work with you, the insurer and the loss adjusters to get it settled as quickly and as satisfactorily as possible, removing the hassle and worry you may have. It’s why so many of our existing customers have been with us for over decade.

For a personal approach to insurance and a chat about your needs, call us on 01494 450 450 or apply for a Quick Quote today.


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What people say about us...

J Bennett & Son has looked after our insurance for more than 10 years. We really appreciate their friendly and helpful advice. Claims have been handled quickly, efficiently and professionally.
Andrew Smith
Lynbond 2000
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