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Employers' Liability Insurance

What would happen if one of your employees sued you for £1 million pounds and won the case because they had tripped over a box full of goods that had been left on the floor of your business premises and, whilst falling to the ground, severely banged their head on the corner of a shelf unit resulting in an injury that meant they could never work again? Few businesses have got that sort of money in savings – have you?

However, fortunately, because you met your legal obligation and arranged employers' liability insurance as soon as you took on your first employee, you would claim on the policy that is designed to provide the business owner with peace of mind in such a situation.

Legally, if you have one or more employees, whether they are full or part time, you must have employers' liability insurance in place for a minimum of £5 million. It also covers voluntary employees, non-contract staff, sub-contractors and contractors. The figure of £5 million is to cover all employees - not each one. The exception as to when you do not need this type of insurance is if your staff are all family members.

It is not only accidents that your employees could sue you for. If one or more of them were to have an illness whilst at work they could also sue you and you could claim on your employers' liability insurance policy. In fact, if an employee left your employment but contracted an illness before leaving that was discovered after they had left they could still sue you.

The sort of things that your employee could claim for could include the likes of loss of earnings, medical treatment, long term care and legal costs.

It is sometimes possible to include employers' liability insurance within some other form of business insurance policy that you have taken out.

Why not contact Shop Insurance Direct who will be pleased to arrange a competitive quote for you to consider without any obligation.

SID is owned by APB Media Ltd, an Introducer Appointed Representative of One-Sure Insurance Limited, which is authorised & regulated by the Financial Services Authority (FSA) under firm reference 447730. You may check this on the FSA's register by visiting the FSA's website, www.fsa.gov.uk/register/ or by calling 0845 606 1234. * Take out an insurance policy through One-Sure Insurance Limited and if you find a cheaper Insurance quotation within 48 hours, subject to written proof being received that the Insurance quotation is on a like for like basis, One-Sure Insurance Limited will cancel the Insurance policy and issue you with a full refund.