Employers' liability for small businesses
Have you got people? Then check out Lukango’s employers' liability insurance.
It is one of only a few small business insurance covers that you are legally required to have. This policy provides cover for legal costs and damages arising from legal action taken against you by your employees.
Lukango has partnered with Markel Direct, who underwrite and administer the policies, to offer employers' liability insurance designed specifically for small businesses.
Find out more about small business employers' liability insurance below, or click here to get a quote:
Employers' liability protects you against the cost of compensation caused by
An employee who becomes ill through work
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.
Frequently asked questions about Employers' Liability
- What is employers' liability?
Employers’ liability insurance is a type of business insurance that relates to claims made by employees who are injured or become ill as a result of their work.
In the UK, most businesses that employ staff are legally required to have employers’ liability insurance, with a minimum level of cover set by law. The exact requirements and what is covered depend on the insurer and the policy. To understand what applies to your business, you can speak to Markel Direct, Lukango’s insurance partner.
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