Employers Liability Insurance

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BJP can arrange Employers Liability cover for you business now as part of a package or on a standalone basis.

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Who Needs Employers Liability Insurance?

It is a legal requirement and any business has to have it or they can face fines. The Health and Safety Executive is responsible for enforcing the law on employer’s liability insurance and you can be issued fines of up to £2500 for any day that you are without cover. It doesn’t matter how many employees you have, be it one or one hundred, you have to have employers liability insurance.

What Defines an Employee?

Someone is your employee if:

  • You deduct national insurance and income tax from any salary you pay them
  • You control when, where and how they work
  • You cannot employ a substitute when they are unable to do the work

Claim Examples

Below are two examples of when a claim might be brought against a business. They are very different, illustrating the need for every business to have cover.

An employee is working with some heavy machinery in your factory. The correct safety protocols are not in place and as a result they get a severe arm injury that keeps them off work for months. A negligence claim is brought against your business and you are found to be liable for the injury. Your employers liability insurance covers the legal costs and the compensation.

A member of staff has made a coffee and is walking back to their desk. They trip on a loose wire and fall, causing a broken wrist and burns. Because the wire should have been covered and clearly indicated they successfully claim against the business. Your employers liability insurance covers legal fees and the pay-out.

Both example are very different but they show the scope of scenarios that can lead to a claim.

To obtain an Employer Liability Insurance quote or to seek advice from one of our insurance advisers about it please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements.

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