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
Product name | Max Coverage | Min Premium | Exclusions | |
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Employers' Liability by Allied World Managing Agency Ltd | Max Coverage GBP25M | Min Premium N/A |
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Business - Employers' Liability by AXA Insurance | Max Coverage GBP10M | Min Premium GBP51 |
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Small Business Office - Employers' Liability by Travelers Insurance Company Ltd | Max Coverage GBP10M | Min Premium N/A |
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Small Business Shop - Employers' Liability by Travelers Insurance Company Ltd | Max Coverage GBP10M | Min Premium N/A |
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Public Employers Liability by Focus | Max Coverage GBP10M | Min Premium N/A |
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Employers’ Liability by Tokio Marine Kiln | Max Coverage GBP50M | Min Premium N/A |
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Excess of Loss - Public and Employers Liability by Pen Underwriting | Max Coverage N/A | Min Premium N/A |
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Employers' Liability by Zurich UK | Max Coverage GBP10M | Min Premium N/A |
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Employers Liability by Entertainment Risk Management Ltd | Max Coverage N/A | Min Premium N/A |
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Lloyd’s Employers Liability - UK / IR by AXA XL | Max Coverage GBP15M | Min Premium GBP2K |
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more details |
Frequently Asked Questions
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What Is Employers’ Liability Insurance?
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?
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?
- 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?
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.