EMPLOYERS LIABILITY INSURANCE

WHAT DOES EMPLOYERS’ LIABILITY INSURANCE COVER?

Employers’ liability insurance will cover you in the event that an employee makes a claim against you for the personal injury or accidental death caused by their employment. The policy will cover the costs and compensation you are found liable for, up to the limit of indemnity chosen.

Please note that Rhino employer’s liability insurance can only be purchased alongside our public liability insurance.

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DO I NEED EMPLOYERS’ LIABILITY INSURANCE?

If you have an employee, whether they are permanent, part time, or temporary, it is likely you will be legally required to hold employer’s liability insurance. It is not legally required if you are the sole employee of your limited company and own at least 50% of the shares. It may also not be required if you are not an incorporated business and employ only close family members. If you are unsure of your legal obligations to carry employer’s liability insurance, the HSE provide some guidance here.  Alternatively, please feel free to contact us to discuss.

Potential Claims

Below are some examples that may be covered under a Employers’ Liability Policy: 

• An employee suffers serious injuries after scaffolding collapses on to them, the insurance will cover the cost of any claim, including medical bills or lost income due to time off work.
• A subcontractor was repairing damage to a roof when he fell off a ladder sustaining injuries and damaging his mobile phone.  The insurance will cover the cost of any claim, including medical bills and costs incurred repairing the handset.