If you have any employees or subcontractors / temporary workers who are working for you under your direction, you may also need employer’s liability insurance. This policy will cover for injury or death of an employee whilst performing duties for your business and may be a legal requirement depending on your circumstances. We can provide you with employer’s liability insurance alongside our public liability insurance.
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.
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.
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.
Rhino provide Tradesmen insurance, a type of business insurance that provides tailored cover for hazards and risks often experienced when working within a trade. Our Business Insurance offers varying levels of indemnity cover and keeps you protected if your client or a member of the public suffers and injury or damage to their property which was your fault. It will pay out for the legal expenses and compensation owed by your business (up to your chosen level over cover).
Who is Employers Liability Insurance for?
You can find cover for hundreds of trades with Rhino Trade Insurance. Popular trades include: