Employers Liability Insurance
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.
What is Employers Liability Insurance?
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 Does Employers Liability Insurance Cover?
Employers Liability Insurance is designed to cover all businesses that employ workers. It is a vital policy for any company, regardless of its size or industry. If you have employees, whether full-time, part-time, temporary, or contractors, you need to ensure that they are protected.
Who benefits from Employers Liability Insurance:
- Small Businesses: Even if you have a small team, this insurance is essential to protect against unexpected claims.
- Large Corporations: As businesses grow, so do the risks. Employers’ Liability Insurance provides comprehensive protection for larger teams.
- Self-employed Contractors: If you employ anyone, even on a freelance basis, this coverage is a must-have.
- Retailers and Manufacturers: Protect your employees from the risks involved in working with machinery or in customer-facing roles.
- Professional Services: Consultants, architects, and other professionals benefit from the peace of mind Employers Liability Insurance offers.
No matter your business size, Employer’s Liability Insurance ensures that both you and your employees are safeguarded.
What is Included in a Typical Employers Liability Insurance Policy?
Robison & Co Employers Liability Insurance is comprehensive, providing protection from a range of risks associated with employee health and safety. A typical policy includes:
Injury Compensation
Covers medical treatment, rehabilitation costs, and compensation for employees injured during work.
Legal Expenses
Pays for legal fees and defence costs if your business is taken to court over a workplace injury or illness claim.
Rehabilitation Costs
Supports your employees in returning to work after an injury or illness, helping them regain their health and productivity.
Employee Illness
Covers cases where employees suffer from work-related health conditions, such as repetitive strain injuries or stress.
Public Liability Cover
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.
Why Choose Robison & Co?
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:
- Tailored Coverage: We offer flexible policies that can be adjusted to fit your business’s specific needs and risks.
- Experienced Support: With years of expertise in the insurance industry, our team is here to guide you through every step of the process.
- Affordable Options: We provide competitive pricing, ensuring that businesses of all sizes can benefit from essential coverage.
- Quick and Efficient Claims: If you ever need to make a claim, we streamline the process to ensure a fast and fair resolution.
- Trusted Service: We take pride in delivering exceptional customer service and protecting what matters most to your business.
With Robison & Co, you can rest assured that your employees are covered and your business is protected.
Get a Quote Today
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.
Employers Liability Frequently Asked Questions
Is Employers Liability Insurance a legal requirement?
Yes, in the UK, Employer’s Liability Insurance is a legal requirement for most businesses with employees. Failure to have the correct coverage can lead to hefty fines and legal issues. There are however, a few exceptions.
Do I need Employers Liability Insurance if i have only one employee?
Yes, if you employ just one person or more, you are legally required to have Employers Liability Insurance.
What types of claims are covered by Employers Liability Insurance?
It covers a wide range of employee claims, including injury, illness, diseases contracted due to work and death. This can include accidents on-site or long-term health issues arising from working conditions.
How much Employers Liability Insurance do i need?
The minimum cover required by law is £5 million, but many businesses opt for higher cover depending on their risks and the size of their workforce.
Can the Employer's Liability Insurance be included with other business insurance?
Yes, Employer’s Liability Insurance can often be packaged with other types of business insurance, such as Public Liability Insurance or Professional Indemnity Insurance. Contact us to discuss your specific requirements.
