Every business that employs staff is legally obliged to have
employers’ liability insurance to a minimum cover level of £5 million.
Even if you are a small business, insurance covering your employees
for injury and illness at work is compulsory, whether you employ 1
member of staff or 50 and whether they are casual workers or full-time.
- If one of your employees became seriously ill, was injured or even
killed while working for you, your business could be liable. Employers’
Liability would cover the cost of any claims made and awarded to the
- The insurance also covers the legal cost of the claim, including your own legal fees, and can cover the fees of the claimant.
- If you are involved in a case relating to the welfare of an
employee, for example where you may have breached health and safety
regulations, employers’ liability insurance would cover your costs and
expenses in the defence of the prosecution.