Employers Liability Insurance
The inclusion of employers’ liability insurance in a business’ insurance policy is legally mandatory if that business has employees. This includes non-contract staff, contractors and sub-contractors and volunteers, in addition to the ordinary full time or party time staff.
These employer liability insurance policies generally cover the business in the unfortunate event that an employee sustains an injury or illness as a result of their employment. Even with the safest working environments and the best of intentions, accidents can happen, which is why this cover is legally necessary. The level of legal cover and financial compensation is negotiated depending on your requirements – a large company with many employees will have different requirements from their commercial liability insurance than a small business with ten employees or less, which will have a very different small business liability insurance policy.
Why take Company Liability Insurance from us?
If you employ staff, however small the company, it is a legal requirement to take out employer liability protection, so that you and they are protected if they are injured as a result of some act or omission of the company.
What is included in your Business Liability Insurance?
This product is variable, suitable for both small businesses and sole traders, and large corporations who carry out a variety of work at third party locations. Cover also includes Public & Products Liability as standard.
A flexible product that you can tailor to meet the needs of your clients:-
- Ability to include employees for liability up to £10m
- Temporary employees can be included
- Tools cover can be added – including the ability to insure laptop computers
- Contract Works cover, choice of limits and can insure own plant
- Personal Accident cover – for all employees, choose the limit required
- Optional Commercial Legal Expenses
- Access to helplines provided automatically
Regardless of whether you need liability insurance for small business or more liability insurance quotes, contact Rapid now to discuss your requirements. Call on 01204 392525.