Falcon Insurance understands the importance of protecting your business with employers liability insurance. We offer specialist comprehensive employers liability insurance to protect your business.
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What is Employers Liability Insurance?
Employers liability insurance is a type of coverage that provides legal protection for employers in the event of a claim or lawsuit resulting from accidents or injuries that occur in the workplace. This type of insurance can help to limit an employer’s financial liability in the event of an incident, and it can also provide protection against personal injury, property damage, and death.
What does Employers Liability cover?
Employers liability insurance is a type of insurance that covers employers for any claims made by employees who are injured or become ill as a result of their work.
The main purpose of this insurance is to protect employers from the financial costs of these claims, which can be significant.
Employers liability insurance typically covers the cost of legal fees, settlements, and judgments. It can also cover the cost of medical expenses, lost wages, and other damages. In some cases, employers liability insurance may also cover the cost of workplace safety improvements that are needed to prevent future accidents.
Do I need Employers Liability Insurance?
Employers’ liability insurance is compulsory in the UK if you have employees.
Purchasing a policy will protect you from any claims made by employees who suffer an injury or develop an illness as a result of their work. For example, if an employee slips and falls at work, they could sue you for damages.
If you have employers liability insurance, your insurer will cover the cost of the claim and any associated legal fees. Even if you’re not legally required to have this type of insurance, it’s still a good idea to have in place as it offers vital financial protection for your business.
How much Employers Liability Insurance do I need?
The minimum level of cover you must have by law is £5 million, but most employers choose to take out a policy with a higher limit of cover.
The amount of cover you need will depend on the size and type of business you run. For example, a business that employs manual workers is more likely to make a claim than a business that employs office workers.
If you’re not sure how much cover you need, speak to an insurance broker who can advise you on the appropriate level of cover for your business.
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Our dedicated claims line is available 24 hours a day, 7 days a week, 365 days a year, and is manned by friendly and helpful UK-based call-handlers, providing unrivalled customer service. We can provide valuable reassurance, information, and assistance when you need it most.
To discuss your requirements and to receive a free quote contact the team at Falcon Insurance
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