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Protect your business with Employers' Liability insurance
Hiring your first employee – or your fiftieth – is a big milestone for any business. It also comes with responsibility. Employers’ Liability (EL) insurance is a legal requirement in the UK, serving as a safety net that protects your business as it grows. Here’s how…
What is Employers’ Liability insurance?
Employers’ Liability insurance protects your business if an employee is injured or becomes ill because of the work they do for you. It covers the cost of defending claims, as well as any compensation you’re legally required to pay. UK law stipulates that employers must have this insurance in place – even if your employees are part-time, temporary, or contractors.
Why do I need Employers’ Liability insurance?
Sure, Employers’ Liability insurance ticks the compliance box. But that’s not all. When it comes to protecting your team and your company’s reputation, this insurance is a non-negotiable. A single accident could set you back thousands – or more. Having the right policy in place shows investors and stakeholders that you’re serious about risk management too – all while reassuring your employees that their wellbeing matters.
What does Employers' Liability insurance cover?
Accidents happen – and when they do, you need to know you’re protected. In these scenarios, Employers’ Liability insurance steps in:
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Compensation claims from current or former employees Any expenses related to injuries caused by work
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Legal fees and defence costs
Support if a legal claim is made against you
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Injuries sustained at work, from slips to more serious incidents If it happens on your watch, EL has you covered
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Work-related illnesses or long-term conditions If an employee develops an illness related to their job, you can consult your policy
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Claims made by contractors or casual staff
Stay protected even with a flexible or freelance workforce
Picture This...
You’ve just closed your seed round and hired a small team to begin building the first iteration of your product. A team member trips on exposed cabling in your shared office, suffering a serious injury. They’re unable to work and bring a claim against your company. Fortunately, your Employers’ Liability insurance means you don’t have to face the legal and compensation costs alone – protecting your cash flow and reputation.
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Contact us
Take your next step.
If you’re interested in how we can help or just want to introduce yourself, get in touch. We’re always happy to talk. Alternatively you can book a meeting with one of the team using the Capsule Calendar.