You will be logged off in  seconds due to inactivity and risk losing your quote. Click here to continue using this web page.

Employers Liability Insurance in a Nutshell

Rhino Trade Insurance 28 March 2022

Every day I’m asked, ‘Do I really need employers’ liability insurance?’ and the answer really is quite simple.

Employers Liability Insurance covers you if you hire any employees and is applicable to both sole traders and limited companies. It also is a requirement if you hire subcontractors who don’t hold their own cover. Subbies that hold their own cover are referred to as ‘bona fide’ and will have their own levels of insurance in place.

If you are a limited company, then it is a legal requirement to hold employers’ liability insurance if you have anyone else employed, and this is a very important factor to consider when taking out insurance for your business.

Another question I’m often asked is, ‘Well what does it actually cover?’ and the answer here is again pretty simple. It covers you if a member of your team injures or damages themselves whilst on a job and makes a claim against you. Although you may have public liability insurance in place, there to cover you in case members of the public injure or damage themselves causing them to sue you, employers’ liability insurance covers you if it’s your employees that are damaged or injured.

If you are employing family members there can be exemptions when working as a sole trader, but remember if you are a limited company, family member or not, if you employ even one person, you are legally required to have the cover in place.

Our employer’s liability insurance starts at just over £6 a month and is a simple add on to our public liability cover. As always you can purchase Rhino Trade Insurance easily and swiftly via our online insurance shop.

Here at Rhino, I want all our customers to be able to understand what they’re covered against and what their options are in the event of accident, damage, or injury. Insurance is vital in maintaining a successful business, and especially in the trades, can be a very worthwhile financial safety net. Employers’ liability cover is just as important as any other cover you may be on the lookout for, and if it applies to you then we can make the purchase process easy and straightforward.

So, there you have it, employers liability insurance in a nutshell. Easier to understand than you thought, eh?

How To Unwind After a Hard Days Graft
How To Unwind After a Hard Days Graft

Rhino Trade Insurance 25 April 2022

It’s basically summer in the UK. The weather has been absolutely banging! But what with the days lasting longer we were wondering what to get up to on an evening. That’s why we wanted to offer something different today, some decent ideas for unwinding after a hard day's graft. Let’s go!

Read more

Tools In Transit Insurance In a Nutshell
Tools In Transit Insurance In a Nutshell

Rhino Trade Insurance 11 April 2022

Understanding tools insurance should be easy. Here at Rhino Trade Insurance, we provide thousands of UK tradesmen with top cover for their tools.

Read more

Employers Liability Insurance in a Nutshell
Employers Liability Insurance in a Nutshell

Rhino Trade Insurance 28 March 2022

Employers Liability Insurance covers you if you hire any employees and is applicable to both sole traders and limited companies. It also is a requirement if you hire subcontractors who don’t hold their own cover. Subbies that hold their own cover are referred to as ‘bona fide’ and will have their own levels of insurance in place.

Read more

TALK TO AN EXPERT

Our team of experts are available to talk to Mon-Fri 08.30-17.30 and Sat 10.00-14.00

online chat

Our team are online during office hours. Send a message if you have a query.

call

Call our team of experts during the office hours noted above.

Form

No problem. Fill in our quick form and let us know when’s a good time for you.