Protection for businesses employing staff
Employers’ Liability Insurance helps protect your business if an employee suffers injury or illness as a result of their work and makes a claim against you. In most cases, this cover is a legal requirement for UK businesses that employ staff.
For fleet-based businesses, this cover is particularly important due to the nature of driving, loading, unloading and manual handling activities.
What’s typically covered
- Injury to employees arising from their work
- Work-related illness or disease
- Legal defence costs
- Compensation awards and settlements
- Cover for full-time, part-time and temporary employees
Cover is subject to policy terms, conditions, exclusions and limits.
Who it’s suitable for
- Courier and delivery businesses with employed drivers
- Haulage and logistics companies
- Taxi and private hire operators employing staff
- Businesses with warehouse or premises-based employees
Claim example
An employed delivery driver suffers a back injury while lifting heavy parcels during a multi-drop route and makes a claim against their employer. Employers’ Liability Insurance can cover the compensation claim and associated legal costs.
Why this cover matters
Employers have a legal duty of care to protect the health and safety of their employees. Employers’ Liability Insurance helps safeguard your business against the financial consequences of employee injury or illness claims and supports compliance with UK employment legislation.
Important information
Employers’ Liability Insurance is subject to policy terms, conditions, exclusions and limits. Legal requirements and cover limits may vary depending on business structure and employment arrangements.