Employers’ liability insurance protects your business if for example an employee files a claim against you because they were injured or have a dispute as a result of working for you. So, if an employee brings a claim against you for any injury or illness caused to them whilst working for you or under your supervision, your insurer will cover your defence costs and possibly any compensation awards.
If you hire other freelancers, volunteers or have any other workers under your supervision, they may have employment rights against you. In such cases you should consider employers’ liability insurance.
Any person normally resident in the United Kingdom of Great Britain and Northern Ireland, the Channel Islands, the Isle of Man or Republic of Ireland working for you in connection with your business who is:
In short, yes. If you have hired someone, whether they are permanent or temporary, according to legislation you are legally obliged to take out employers’ liability insurance. However there are some exceptions, such as with family businesses, so do get in touch with our team with any questions if you are unsure.
Below are the key areas that would be covered by your policy but, be sure to read over your policy for any exceptions or conditions.