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As an employer, you need to make sure that you have the necessary insurance in place to protect your employees. Your staff members can also get injured while performing their duties due to improper use of equipment and procedures. If maintenance or a cleaning staff member falls over equipment, this could be considered an injury. Accidents like this are likely and should be handled with the correct legal requirements. The right insurance can save you from hefty fines and having to pay off third party damages. If you hire people to work for you, then you should consider employers liability insurance. This policy will protect you from legal liability if something goes wrong at your place of work. This blog will remind you that as a business you can never be too careful…

What is Employers Liability Insurance?

Employer’s liability insurance policy aims to protect you from the expenses associated with employee claims. It’s usually a vital part of your business insurance. Liability insurance policy can help minimise the financial impact of an accident. Usually, the court orders the employer to pay for the injuries and other damages made by internal compensation claims. However, this type of insurance can cover you for medical expenses and lost income up to the limits of your policy. 

It is a legal requirement that most employers insure against liability for injury or illness to their employees arising out of their employment. As an employer, you have a responsibility to your employees to ensure their safety. 

What are some examples of claims that can be made?

You have a legal obligation to ensure that your employees are safe and healthy at work. This obligation can be met by carrying out a risk assessment and taking reasonable measures to prevent and minimize employee incidents. Doing so can help prevent a claim and safeguard your financial interests.

However, accidents can happen and here are a few examples of what claims can be made against you: 

• A clerical staff member can suffer an injury due to the excessive use of technology and computer usage. Consequently, they may be unable to work for a certain amount of time
• Builders are at risk of being injured by scaffolding or construction tools/materials which can result in their inability to do physical work
• An employee may slip on a wet floor without given precautions, such as a hazard ‘wet floor’ sign which can lead to injury

Although the minimum amount of liability insurance required by law is £5 million, most insurers offer up to £10 million of cover as standard. With Trevellyan Insurance, we can help combine this with other core insurance policies such as public liability cover and professional indemnity insurance. 

Do I need employers’ liability insurance for all the people who work for me?

You are only required to have employers’ Liability Insurance if you hire someone who is under a contract of employment or apprenticeship. This contract can be implied or spoken. It does not matter if you usually call someone an employee, self-employed, or a contractor for the company’s services. The most important thing is the nature of the relationship that you have with the people who work for you, and the control you have over their work.

If you are an employer or own a business, here at Trevellyan, we can help you source all your Insurance needs. You can trust our experts to deliver the best advice suited to your unique requirements. Contact us today for further information on the services we offer.

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