Employers liability insurance is required by law in the United Kingdom under the Employers Liability Act 1969. Employee’s liability insurance protects you in many ways including covering accident, injury and illness of an employee during their employment with the company.

The Employers Liability Act has a few exceptions to the requirement and these are:

• Businesses that are employing only immediate members of the family, e.g. spouse, daughter. These are non-incorporated businesses.
• Limited companies and incorporated bodies where over 50% of the equity in the company is owed by one employee. (generally sole traders)
• Certain organisations and public service bodies.

The legal requirement is nothing less than 5million but generally, the indemnity in employer’s liability insurance quotes is assumed at £10 million by the majority of insurance provider; this can be increased or decreased at any time by the employer.

Normally employer’s liability insurance is not provided in “isolation”. This is to avoid providing protection for employer’s liability on its own. Insurance is more often included in a package deal such as shop or office insurance or it is included in public liability insurance.

Employer’s liability insurance can be obtained from either a direct insurance company or from a specialised liability insurance company. Price comparison websites can also be used to obtain affordable insurance. It is important you choose suitable employers liability insurance and obtain several employer’s liability insurance quotes to ensure you get a good deal.

Employer’s liability insurance quotes can vary from the high priced policies that cover everything to the lower priced budget policies that only covers a select few areas. Thanks to data having been collected over several years, a rating system is used for most trades and occupations and provides rapid quotations.

Employer’s liability insurance quotes are available from Specialist Risks