At WS Insurance, we provide comprehensive employers’ liability insurance to safeguard your business and employees. This insurance is a legal requirement for most UK businesses and covers compensation claims if an employee is injured or becomes ill due to their work.
What Is It
Employers liability insurance protects your business from the financial impact of claims made by employees who suffer injury or illness while performing their work duties. It covers legal costs and compensation, ensuring your business complies with legal obligations and maintains financial stability.
FEATURES
We cover businesses of all sizes, from startups to established firms across the UK.
Any business employing staff, whether full-time, part-time, or temporary, is legally required to have employers’ liability insurance. This includes:
WHY CHOOSE US
Employers liability insurance is a legal requirement in the UK for businesses with employees. It protects your business by covering compensation claims if an employee is injured or becomes ill due to their work.
Yes, you must have employers’ liability insurance even if you employ just one person. The law applies to all businesses with employees, whether full-time, part-time, or temporary.
The legal minimum is £5 million, but most insurers provide £10 million as standard to ensure full protection.
Contractors and freelancers may not always be covered under employers’ liability insurance. It depends on the nature of their work and their relationship with your business. We can help assess your specific needs.
Many policies cover volunteers, interns, and work experience staff, but it’s essential to confirm this when setting up your policy.
If your business is found operating without employers’ liability insurance, you could face fines of up to £2,500 per day until you are compliant.
Yes, employers’ liability insurance can cover claims from former employees if their illness or injury is linked to their previous work for your company.
It covers legal fees, medical expenses, and compensation for work-related injuries or illnesses suffered by employees.
Costs vary depending on your business size, industry, and risk levels. For an accurate quote, contact our team at WS Insurance.
Absolutely! We can bundle employers’ liability insurance with public liability, property insurance, and other covers to create a comprehensive package tailored to your business.
Our expert brokers will guide you through legal requirements and ensure your business has the right level of cover to meet regulations.
