What it covers
- Compensation claims from employees injured or made ill through their work
- Legal defence costs
- Claims arising after an employee has left, relating to their time with you
Optional cover
Employers' liability
If you employ anyone — full-time, part-time, apprentice, weekend help or work-experience placements — employers' liability is generally a legal requirement.
Who counts as an employee
- Salaried and hourly-paid staff
- Apprentices and trainees
- Casual and weekend workers
- Work-experience and college placements
Your legal duties
Employers' liability insurance is required by law for most UK employers, and the certificate must be available to employees. Tell us as soon as you take someone on so the policy is correct from day one.