Does employer’s liability insurance cover the public or third parties?

No. Employer’s liability only covers claims against you made by your employees. Claims from third parties are not covered under employers liability. Public liability insurance would cover claims from third parties and the public. It is possible to get public and employer’s liability insurance combined.

Does employer’s liability insurance cover professional negligence?

No. You would need professional indemnity insurance to cover negligence.

Is employer’s liability insurance compulsory?

It is a legal requirement for businesses to have employer’s liability insurance as soon as they become an employer. The policy must provide cover for a minimum of £5 million and come from an authorised insurer. You may not need employers liability insurance if you only employ a family member or someone who is based abroad. You can be fined £2,500 for every day you are not properly insured.

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Commercial
Construction/Tradesman
- Tradesman Insurance
- Cleaners Insurance
Leisure
Licensed Venues
- Restaurants Insurance
- Pub Insurance
Landlords
Window Cleaners
Sports Club
Personal
- Home
About Us
Meet The Team
Blogs

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