Employers' liability insurance

Who needs employers’ liability cover?

However safe your premises, however good your safety equipment, however thorough your safety training, accidents can still happen – and claims can run into millions of pounds.

Our employers’ liability cover

All of our policies include employers’ liability insurance, with £10m cover. These policies also include products and public liability cover (see ‘Not to be confused with…’ below).

Some examples

You own a bookshop. One of your employees damages their back lifting a heavy box of books. Because you haven’t provided the training or equipment that would have prevented the accident, they make a claim against you for damages.

You run a garden centre. One of your employees suffers spinal injuries when a stack of pallets that are overloaded with fertiliser collapses. They make a claim against you for damages.

You run a video rental store. A member of staff develops a stress disorder and has to take time off sick after the shop is robbed. They make a claim against you because they say you failed to provide adequate security.

One of your staff claims against you for a repetitive strain injury after having advised they were having trouble with the amount of data entry in their job and were suffering pain in their wrists and you took no action in changing an unsuitable work area.

Not to be confused with

Public liability cover

This covers the costs of compensation and legal expenses should a member of the public make a claim against you after being injured or their property damaged by you or your business.

Find out more about public liability cover

Products liability cover

If you supply a product and something goes wrong with it, you may be liable - even if you didn’t manufacture the product. Products liability insurance covers you for the costs of compensation and legal expenses.

Find out more about products liability cover

Legal expenses cover

Legal expenses insurance includes cover for compensation awards payable in employment disputes cases and claims relating to section 13 of the Data Protection Act but it isn’t a replacement for liability insurance – our public, product and employers' liability insurance will cover you against these costs.

Find out more about legal expenses cover

Important note!

The information on these website pages is for your general information only. Always check the wording in your insurance documents carefully to find out exactly what cover your policy provides, what the limits of the cover are and whether there are any exclusions or conditions.