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Employers' liability protects you against the cost of compensation caused by

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An employee who is injured at work

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An employee who becomes ill through work

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What is employers' liability insurance?

Employers' liability insurance from Lukango covers your small business if a claim is made against you for injury or illness. During a court hearing, the judge could make an order for you to pay compensation, injury, legal costs and other damages. You might have to pay for medical care and a loss of income if the employee is out of pocket.

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Do I need employers' liability insurance cover?

There is a legal requirement to have employers' liability cover if you have any employees; these may be full or part time or seasonal workers.

It is a little known fact that employers can make a claim against your business up to 40 years after they are no longer working with you.

This legal requirement came about to protect the health and well-being concerns of people that only come to the surface many years after leaving their jobs.

Most employers are required to have a minimum of £5,000,000 of cover or may face a fine of up to £2,500 per day…the exception to this is if you only employ close family members and are not a limited company, then this cover may not be required.

Employers Liabilty

Frequently asked questions about Employers' Liability

  • What is employers' liability?

    Employers' liability insurance covers the cost of compensating employees who are injured at or become ill through work.

    You must get employers' liability insurance as soon as you become an employer - and it must cover you for at least £5 million.

    Employers' liability insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you

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