Employer's Liability Insurance

What is Employer's Liability insurance?

If you employ staff then you should have Employer's Liability insurance in place. This gives you protection if an employee makes a claim against you for bodily injury caused while they are at work.

What does Employer's Liability insurance cover?

It covers potential compensation costs and legal fees if an employee or ex-employee makes a claim against you for bodily injury due to their work.

Do I need Employer's Liability insurance?

As detailed on the Gov.uk website, you must get Employer's Liability insurance as soon as you become an employer and it must cover you for at least £5 million. Visit the Employer's Liability insurance page at Gov.uk for more information.

Tapoly's Employer's Liability insurance provides cover of £10 million.

Is Employer's Liability insurance required by law?

Yes, The Employer's Liability (Compulsory Insurance) Act came into force in 1969. There is a legal requirement for all companies that employ UK based staff to have employer's liability in place. You can add this cover to your Professional Indemnity cover with Tapoly.

How much Employer's Liability insurance do I need?

The amount of cover you need will depend on your business, the number of employees and the potential cost of a claim. However, legally you must have a minimum of £5 million cover in place.

How much does Employer's Liability insurance cost?

The cost of your Employer's Liability insurance will depend on several factors, e.g. the size of your business, the number of employees that you have and the risk of a claim. However, the best way to find out how much it will cost is to get a quick quote. You can add Employer's Liability to your Professional Indemnity cover with Tapoly.

Do I have to pay an excess?

There is no excess payment required for our Employer's Liability insurance. If you have any worries or concerns about anything related to a potential claim then call us to discuss it. We are here to help.

How long after the end of the policy can I make a claim?

Our Employer's Liability cover has no cut-off date for making claims, so as long as you have Employer's Liability insurance cover for the whole length of time that you employ people, you will be covered for any incident that occurs during that time, regardless of how long afterwards it is brought to your attention.

What's not covered by Employer's Liability insurance?

Employer's Liability insurance protects you if something happens to one of your staff.

It does not cover you for accidents involving your clients or members of the public. This would be covered by Public Liability insurance.