What is employers' liability insurance?

• Employers' liability - do I need it?
• Employers' liability - does the law apply to me?

Whilst your employees are at work, you are responsible for their health and safety. Your employees may be injured at work, or they or your former employees may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims.

Employers’ liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site.

At Premierline Direct, employers' liability insurance can be included as part of our insurance policies. In most cases it is an optional extra, so if you don’t have employees, you don’t have to pay for cover which you will not require.

If you take our employers' liability, your certificate of insurance must be displayed in a prominent place within your business.