Employers' liability for small businesses

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.

Get employers' liability insurance for your small business from Lukango and:

• Get tailored quotes in minutes
• Get covered and all your documents the same day
• UK-based expert support, online and on the phone

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.