Employers’ Liability Insurance
If you employ staff, you are responsible for their health and safety. Because of this, it is a legal requirement to have Employers’ Liability (EL) insurance in place. This would normally be in addition to any overarching commercial insurance you have, and not as a stand-alone policy.
An EL policy covers all injuries that happen to an employee immediately or develop over time, resulting from their work. A claim can be made whilst your employee works for you, or even after they’ve left your employment and symptoms manifest after a period of months. Should a dispute go to court, your EL insurance also protects you against compensation and legal fees.