Employee liability insurance

As a limited company it is likely you employ staff and therefore require employers liability insurance. This is sometimes incorrectly referred to as employee liability insurance. The cover is to protect you in the event of your employees having an accident at work from which they are injured or become ill. Even if you are not a limited company but still have people under your employment you will need to take out this cover.

When looking for your liability insurance cover you will probably need to obtain public liability first. This is mainly due to the fact that with most companies employers liability can only be added to this policy and not taken out separately. This is not such a bad thing as this will enhance your cover to provide any injury or damage you or your staff cause to the public.

As a new business starting up, you may not know that employers liability is actually compulsory by law. This has been in force since 1969 to help protect employees from accidents are work that are due to their employer's negligence. Compensation would be paid to the employee via this insurance policy. Please remember when asking for this cover, it is NOT employee liability insurance which could be deemed to be something else.