Kevin Shilling
2 months ago
At Robison & Co Insurance, we understand that as an employer, your employees are one of your most valuable assets. Employers Liability Insurance is essential for ensuring that your business is protected from the costs associated with workplace injuries or illnesses. With the right coverage, you can confidently focus on running your business while safeguarding the well-being of your staff.
Employers Liability Insurance is a legal requirement for most businesses that employ staff. It protects against claims made by employees who are injured or become ill as a result of their work. This insurance helps cover your legal obligation to cover medical costs, compensation, and legal fees if your employees are hurt or fall ill during their employment.
Whether it’s a slip-and-fall accident, a long-term illness caused by workplace conditions, or a legal dispute, Employers Liability Insurance ensures that you can manage the financial impact of these situations.
Who benefits from Employers Liability Insurance:
No matter your business size, Employer’s Liability Insurance ensures that both you and your employees are safeguarded.
Robison & Co Employers Liability Insurance is comprehensive, providing protection from a range of risks associated with employee health and safety. A typical policy includes:
Covers medical treatment, rehabilitation costs, and compensation for employees injured during work.
Pays for legal fees and defence costs if your business is taken to court over a workplace injury or illness claim.
Supports your employees in returning to work after an injury or illness, helping them regain their health and productivity.
Covers cases where employees suffer from work-related health conditions, such as repetitive strain injuries or stress.
In some cases, Employers Liability Insurance may also include protection for claims involving third parties that arise due to your employees’ actions.
Each of these elements works together to provide you with comprehensive protection, tailored to the specific needs of your business.
Choosing Robison & Co Employers Liability Insurance means opting for a reliable and customer-focused partner who understands the challenges of running a business. Here’s why businesses trust us:
With Robison & Co, you can rest assured that your employees are covered and your business is protected.
Protect your business and employees with Robison & Co Employers Liability Insurance. Contact us today for a free, no-obligation quote and ensure that your workforce is covered. Our team is here to answer any questions and help you find the right coverage for your business needs.
Yes, in the UK, Employers’ Liability Insurance is a legal requirement for businesses with employees. Failure to have the correct cover can lead to hefty fines and legal issues. There are, however, a few exceptions for family members and employees based outside the United Kingdom.
Yes, you legally must have employers’ liability insurance in the UK if you have any employees.
Yes, even though you are both directors, you will still need employers’ liability insurance as more than one person is working for the company. There are some exceptions, such as married couples with equal shares. If you are unsure whether EL is applicable in your situation, please speak to one of our brokers.
Employers’ liability covers a wide range of employee-related claims, such as injury, illness, diseases contracted due to work, and death. This often includes accidents on site and long term heath issues arising from working conditions.
By law, the minimum amount of cover is 5 million, but depending on your risks and the size of your workforce, it may be beneficial for your business to consider a higher amount. If your unsure how much cover your business needs, please speak to one of our brokers who will advise you based on your individual risk profile.
Yes, you can often package Employers Liability insurance with other policies such as public liability or Professional indemnity. If you’d like help deciding whether your business needs a standalone or combined policy, please speak to one of our brokers who will look at your risk and advise you on the best route for your business.
