What is employers’ liability insurance?
Employers’ liability insurance can pay compensation costs and legal fees if an employee is injured at work or becomes ill due to their work and makes a claim against their employer. It usually also covers compensation to their beneficiaries if an employee dies as a result of their work, though check your policy to make sure.
As this is a duty of care for employers, businesses with employees must have employers’ liability insurance. There are only a few exceptions, such as if you only employ close family members or if your staff work abroad.
It isn’t just for permanent staff. You should also have cover for work carried out by casual and contract workers, including volunteers. This also includes employees working off site and if they are working from home.
» MORE: What is business insurance?