Hire full or part time employees, including apprentices, interns and other types of workers.
Employ contractors to work for you, whether on an ad hoc basis or a more permanent one.
Work with volunteers or other staff who provide you with labour on an unpaid basis.
What our business insurance expert says
How could employer's liability insurance help my business?
You own a building firm with several workers. While on site, one of your builders falls from a scaffold. They claim they weren’t given adequate training to use the scaffold safely and that their injury has left them with a debilitating fear of heights. They’re now unable to work and are claiming compensation for lost earnings.
You own a marketing agency and take on new staff for a data entry role. The job requires repeated mouse movements that trigger a repetitive strain injury in one of your staff. The staff member claims your failure to provide ergonomic office equipment lead to their injury and files a claim for compensation.
Food service workers
You own a restaurant that has really taken off. You double the amount of diners you used to serve in an evening, but fail to take on any new kitchen staff. This puts a chef you hire on a casual contract under undue stress and they develop a mental health condition as a result. The chef files a compensation claim.
You own a salon and employ two members of staff. One of them is a hairdresser and develops a skin condition due to frequent exposure to hair dye. They claim they weren’t given the right type of gloves to protect their hands and are unable to work due to their condition. They make a claim for loss of earnings as a result.
The above scenarios are for illustrative purposes only, and you should always check your policy documents to see exactly what you’re covered for.
Who's Simply Business?
The quotes you'll get from us are provided by Simply Business, one of the UK’s largest business insurance providers.
Since 2005, they’ve helped more than 3 million small businesses find the right cover at the right price.
And just like all the partners we work with, they’re authorised and regulated by the Financial Conduct Authority. This ensures they're honest, transparent and trustworthy in all they do.
Get a quote today to see if you could save with Simply Business.
Need more help with employer's liability insurance?
Most employers liability insurance policies come with a few exclusions.
These commonly include:
Reckless acts that result in the injury or illness of one of your employees.
Your policy may come with other exclusions too. Always check your policy documents to make sure you know exactly what you’re covered for.
Sometimes it can be tricky to know if someone who’s connected to your business is classed as an employee.
According to the government, there are a few things that define an employee, including if:
- They’re required to work unless they’re on leave
- They work at the business’ premises, or at a place specified by the business such as working from home
- They have a contract that refers to them as a employee
It's important to know if your business technically has employees or not, as this determines whether you need employer's liability insurance or not.
For a full list of definitions, see the government website.
Yes, an ex employee can file a claim against you for injuries or illness they’ve suffered as a result of their time working for you.
This makes it doubly important to have insurance in place.
Even if you go out of business, having a policy in place for the time you do hire employees ensures you’re protected if they later make a claim relating to that time period.
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