Public liability insurance is an essential cover for most types of business. Whether you run your own business or large organistation, you need public liability cover. It will protect your business against claims for damage or injury caused to an individual or to property whilst on your business premises. You will not be covered by public liability cover if an accident happens to you, your property or someone who you employ.
Public Liability Insurance
Employer Liability Insurance
Being an employer brings a lot of things to your business, including responsibility. A crucial part of this is having a solid employers’ liability insurance policy in place. If you employ people you’re legally obliged to take out this cover. It will help you if an employee is injured or becomes seriously ill through working for you. With Quote Us Insurance Services you can get quality cover sorted quickly and without the hassle.
If you have employees, contractors, casual workers or temporary staff, you’re required by law to take out Employers Liability Insurance. It’ll cover claims from employees who’ve been injured or become seriously ill as a result of working for you.
Do I need Employers’ Liability Insurance?
No matter how careful you are, in the workplace injuries can always occur, happen, and in the case of occupational ailments, claims can most likely occur some years down the line. That’s why, If you employ anyone, Employer’s Liability Insurance can cover compensation costs and legal fees, and, in most cases, it’s a legal requirement.
If you don’t have employers’ liability insurance, it could cost you dearly and not just from a compensation claim. If you employ even one member of staff on any basis, including volunteers, and if you don’t have it, you face being fined £2500 for every day you are uninsured.
Why not give us a call on 01274 491010 & one of our friendly and experienced advisors who’ll inform you of your obligations.
What does Employer’s Liability cover?
Employer’s Liability insurance can pay the compensation amount and legal costs if an employee, or an ex-employee, claims compensation for any work-related illness, disease or injury. Employer’s Liability insurance covers full-time and part-time employees, any self-employed contractors you hire, temporary staff, apprentices and volunteers and people taking part in work experience or training schemes.