Why You Need Employer Liability Insurance

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When an employee has the misfortune to succumb to illness or injury, even the most cautious of employers can be sued for damages under their employer’s liability insurance.

This form of insurance is designed to protect both employees and employers and is a legal requirement under UK law. The cover protects policyholders against meeting the cost of legal fees and compensation following claims made against an organisation.

£5m of employer’s liability cover is the minimum legal requirement for most businesses with employees and claims are made against businesses when accident or illness is deemed to be, fully or partly, the fault of the employer. Your employer’s liability can be triggered by something as simple as a slippery floor without adequate signage.

As such, employer’s liability insurance is a must for any business.

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