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Employers’ Liability Insurance protects your business against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for you. It covers the cost of defending your business, including any money you have to pay as compensation.
Most businesses with employees are required by law to have at least £5 million of Employers’ Liability Insurance, or face a fine of up to £2,500 per day. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask. There are some exceptions but please refer to www.Gov.uk to be sure.
Employers’ Liability Insurance policy will cover:
Full and part-time employees
Contractors working with you on a short-term basis
Students and trainees
Our Employers’ Liability Insurance is only available with Public Liability Insurance.