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Employers' Liability Insurance FAQ
What is employers' liability insurance?
Employers' liability insurance provides financial protection for your business should one of your employees become ill or injured as a result of their work.
What is covered by employers' liability insurance?
If an employee of your business claims compensation for an illness or injury sustained while they were at work, or as a result of their work, employers? liability insurance can cover their compensation pay-out.
Do I still need employers' liability insurance if I only employ casual workers or contractors?
Employers? liability insurance is a requirement for any business with employees of any kind. Even if you only have one employee, or only hire temporary workers or contractors, you still need employers' liability insurance.
Is employers' liability insurance a legal requirement for my business?
For the vast majority of businesses, this kind of business insurance is a legal requirement, and failure to hold a policy can result in heavy fines.
Can I get employers' liability insurance as part of my business insurance?
Employers' liability insurance is included in almost all business insurance packages. If you take out one single business insurance policy that incorporates all the different types of insurance you need, this will help avoid the disputes that can arise when claims are made on individual policies that overlap.
How much does employers' liability insurance cost?
As the size, scale and types of businesses vary greatly, so does the cost of employers? liability insurance. Generally speaking, the fewer employees you have, the less your insurance will cost.
There are exceptions as there are other factors that can affect cost, including the nature of the work and the likelihood of injury.
How can I buy employers' liability insurance?
You can purchase directly from the providers either online or over the phone. Some banks and building societies offer employers' liability cover as part of their business insurance or banking packages.