Compare employers liability insurance
Employers liability insurance is now a legal requirement in the UK and with our service we allow you to compare employers liability insurance from a panel of insurers. We know how complicated the liability market can be so we have simplified the whole employers liability insurance system.
We can help you compare employers liability insurance from a panel of leading insurers such as Groupama and MMA. To obtain a employers liability insurance quote simply complete our award winning application and in seconds we will generate you a competitive premium from insurers such as Ageas, Groupama and Kerry London. Once you have chosen the insurer and the policy that best suits you, all you have to do is complete a short proposal, pay online and you are done. This then allows you to concentrate on the other important things for you business and let us take care of the cover.
Levels of employers liability cover
Depending on the size of your business or trade will determine the amount or need to have employees. While the need for employees may be needed it does increase the amount of risk the business owner is liable for. Current UK law legislates that all companies that employ must hold employers liability insurance. The reason for this is the amount of risk that is then laced on the business director or manager for these workers. The risks can range from causing damage or loss to a third party to an employee being injured in their line of work. Injuries to an employee are covered under this policy for up to £10 million to cover for damages and associated legal costs as a result.
Employers liability insurance provides business owners with the cover needed to protect financial assets in the event of a claim occurring. Whether you trade is a carpenter, electrician or a plumber, risk of an injury or loss are the same. For example a builder may be liable for his negligence for dropping a piece of equipment causing damage or loss to a third parties property, while a gardener may injure themselves due to a lack of health and safety procedures at work. While these incidents are completely different one causes damage to a third party and the other to an employee they both carry the same amount of risk to the employer. Insure My Liability provides the cover needed to protect you in the event of this happening.
If a third party or employee were at some point to make a claim against your company that you do not feel you where liable for you may want to take the matter further and go to court or they may take you to court. In most cases this could cost you thousands of pounds. With our employers liability insurance you can feel safe in the knowledge that we will cover you for the time spent in court and for loss of earnings to you business. Should you fail in court or succeed we provide you with cover for up to £1,000,000 in liability costs.
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