| As a business operating in the UK, if you have any employees then it is a legal requirement to have a valid employers liability insurance policy in place at all times, as an insurance broker we can search a panel of insurers on your behalf to find you a competitive premium with the full cover you'd expect. For the protection of our clients we only deal with well known respectable insurers which are authorised and regulated by the relevant authorities. | Employers liability insurance |
Usually you will not be able to obtain an employers liability insurance policy without having public liability insurance in place. Public liability provides cover for you during the course of your occupation for any property damage or injury you cause, for example if you were a builder and whilst carrying your equipment into the property you accidently scratched an expensive table or if you were to leave your tools laying around which your customer then tripped over and injured themselves.
Employers liability insurance quote
| Employers liability insurance is to provide cover against your employee holding you liable for any injury they receive whilst working for you, for example if they were working up a ladder which collapsed and caused them to fall injuring themselves, they may in this case hold you liable for their injury. Failure to have employers liability cover in the UK if you have any employees can result in a daily fine if not further legal implications. |  |
The legal minimum indemnity limit for employers liability insurance in the UK is £5,000,000 but generally insurers offer £10,000,000 as standard. You occupation and trade history can both have effects on the premium, for example you may find that you pay more to insure yourself as a roofer than an artist. The year experience and years trading you have may also result in a discount being applied to your premium based on the fact that if you have more experience in the trade your premium may be lower to reflect this.