Employer’s Liability

Mandatory insurance cover for all UK businesses, with the exception of sole traders. Where a sole trader’s business has a Limited company status however, Employer’s Liability is also required.

Cover is provided to protect the policyholder (Company) from claims arising from illness, injury to or death of employees where the company could be found to be negligent in their duty of care to employees.

In many cases, claims for illness allegedly caused during a period of employment arise many years after an employee has left a company. Records of Employers Liability Insurer are to be kept for up to 40 years from the year of cover.

From April 2011, a centrally held database will record a company’s Employers Liability Insurer for each year of cover.

Standard cover is £10,000,000 any one claim.