Do I need Employers Liability Insurance?

Employers liability insurance is compulsory in the UK, this to safeguard the interest of employers and employees in the event of the business being sued by employees for causing damages at the workplace due to the business being negligent.

Employers Liability is normally purchased as part of a business insurance policy or a packaged policy for certain trades e.g Shops and Offices which will provide protection to the insured from the risks of liabilities arising out of lawsuits and similar claims.

This kind of insurance is mandatory for limited companies and anybody who employs staff . There are number of exceptions which we will be happy to discuss wit you.

It offers a number of benefits to the employer. If an employee sues the employer in a court of law for causing damages due to negligence on the part of the employer, the employer will have to compensate the complainant for medical expenses and other damages, if the charges are genuine. This can lead to a huge financial disaster besides damaging the reputation of the employer.

All employers liability insurance policies will meet the cost of legal charges and damages caused to employees who incurs injuries at work place due to negligence of the employer.

Getting the right advice

It's all good and well to do your own research on insurance, but to really ensure you're getting the right advice and the right cover you should seek the services of an insurance broker who knows your individual needs or industry and knows the risks you are exposed to.

Here at Total Insurance we have qualified and licensed insurance brokers who have access to all of the best insurance companies in the UK. Our team have clients all over the country, and can help you regardless of where in the UK you live.

We can help you to find the cover that will best suit your needs and your budget. We can save you time as well as money.

To see how we can help with your insurance needs you can obtain an online quote, complete our easy to use online quote request for an obligation free quote, chat with one of our brokers or simply get in contact with us via email or phone the choice is yours.

Finding the right Tradesman liability insurance isn't always easy, but at Total insurance we are here to find the right cover at the right price for your insurance needs.