We use cookies to improve this site and enable full functionality. You can change your cookie settings at any time using your browser. Our cookie policy.

Employers Liability Insurance Products

Compare 542 products offered for Employers Liability Insurance from 101 companies including Incorporated Insurance Group Ltd, Ascot Underwriting Ltd, and EC Insurance Company Ltd.

Our Insurance Comparison Tool allows you to pick the correct policy by comparing every plan offered by Canada's leading providers. If you have questions, the Frequently Asked Questions can help you understand more about Employers' Liability

Compare Employers Liability Insurance Policies

Products 41 to 50 of 542
Product name Max Coverage Min Premium Exclusions
Electrical, Heating, Ventilation and Air Conditioning Contractors by Sutton Special Risks Ltd Max Coverage EUR10M Min Premium N/A


more details
Cleaning Contractors by Sutton Special Risks Ltd Max Coverage EUR10M Min Premium N/A


more details
Renewable Energy Contractors by Sutton Special Risks Ltd Max Coverage N/A Min Premium N/A


more details
Pest Control Contractors by Sutton Special Risks Ltd Max Coverage EUR5M Min Premium N/A


more details
Charities and Community Groups by Markel UK Max Coverage GBP10M Min Premium N/A


more details
Cosmetics by Markel UK Max Coverage GBP10M Min Premium N/A


more details
Professional Indemnity with Liability by Manchester Underwriting Management Ltd Max Coverage GBP5M Min Premium N/A


more details
Medical Malpractice by Euna Underwriting Ltd Max Coverage GBP10M Min Premium N/A
  • clinical trials
  • NHS activities


more details
Security by Camberford Law plc Max Coverage N/A Min Premium N/A


more details
Travel Office by Touchstone Underwriting Ltd Max Coverage GBP10M Min Premium GBP350
  • specific types of loss or damage (see specific policy wording)


more details

 

Frequently Asked Questions

(click to expand)

 

What Is Employers’ Liability Insurance?

Employers’ Liability insurance (ELI) provides cover for an employer if one of their employees becomes ill or is injured as a direct result of their employment. It is one of the main types of business insurance and is a legal requirement for most employers.

 

If an employee or former employee becomes ill due to the duties performed as part of their role then they may sue the business for compensation. ELI provides cover so that it can pay for legal fees and compensation costs in the event of a lawsuit.

Who Needs Employers’ Liability Insurance?

All employers are legally obliged to have ELI, as every employer owes a duty of care to their employees to ensure that there is safety within the workplace. Whether the business employs a large workforce or uses a smaller team like freelancers, contractors or temporary/seasonal workers, Employers’ Liability is required.

The only exceptions to this are:
  • sole traders
  • own limited companies
  • zero employees
  • sole traders with only close family members employed

Anyone that buys Employers’ Liability insurance also needs to ensure that the official certificate is displayed clearly on the business premises or that copies are sent digitally to all employees. Failure to provide a certificate or access to it may result in a fine.

What Does Employers’ Liability Insurance Cover?

Employers’ Liability will cover an employer for claims made against them if an employee falls ill, is injured or contracts a disease in the workplace. The type of employee who could potentially make a claim includes:
  • any permanent employee
  • casual, short-term contract, temporary or seasonal employee
  • student or person on work placement
  • voluntary worker
 

An Employers’ Liability claim can only be made if the injury or illness was caused either in the workplace or as a result of the employee’s duties. For example, an employee may be using an office chair that collapses, causing them an injury. If their employer did not take reasonable precautions to ensure that health and safety checks were carried out on office equipment then they may be liable for a claim made against them. The costs covered by such claims can include:

  • financial compensation for the injured employee
  • loss of earnings
  • medical expenses and rehabilitation costs
  • any other expenses (eg travel, medication, etc)
  • care provided by family or friends
 

As Employers' Liability insurance is compulsory, policy exclusions are not permitted. However certain factors such as pre-existing conditions or deliberate acts will not be considered.

How Much Does Employers’ Liability Insurance Cost?

The total amount of coverage needed will depend on several factors, including the type of business, the number of employees, and the previous claims history.

Some regulators may specify a minimum coverage limit but most insurers offer high amounts of coverage. Therefore it is best to check what is required as statutory depending on the nature and size of the business.