Employers’ liability

Businesses and employees are better protected with a policy that includes wage replacement.

From SMEs to large corporates, employers’ liability insurance is a legal requirement in the UK.

All employers have a legal and moral obligation to ensure the health and safety of their employees while at work – to help protect them from illness or injury sustained in the workplace.

The financial impact of workplace accidents can soon add up

Unforeseen workplace accidents and injuries can disrupt employees’ lives and livelihoods – and impact business
operations.

That’s why we include a Wage Replacement policy extension with
our Employer’s Liability policies.

Wage Replacement will indemnify the insured for wage payments
made to employees who are unable to work due to a RIDDOR
reportable accident where liability is clear and agreed upon.

“Our employers’ liability cover allows businesses to demonstrate their duty of care towards employees. It gives peace of mind that should the worst happen, your clients will be covered for ensuing liability claims.”

John Cowell

Senior Class Underwriter

All businesses are unique. So is our cover.

With 30 years’ experience, we understand the operational risk factors affecting businesses of various shapes, sizes and sectors – and how best to protect them.

The associated risks to employees’ health, wellbeing and safety can differ enormously by sector, size, location and activities.

That’s why we don’t provide ‘one size fits all’ cover. Our policies are as unique as your clients.

Helping keep employees safe with SafeCheck

We are proud to include a health and safety review with our insurance policies.

SafeCheck is a specialist service that can be tailored to the unique requirements of each business. Being compliant with your health and safety obligations will protect you, your business, your staff and anyone who could be affected by your business activities.

An insightful report highlights workplace vulnerabilities and gives practical advice and actions to achieve HSE compliance. It also points out the areas where your clients are performing well.

SafeCheck makes good business sense

We distribute policies via brokers and intermediaries. We do not sell directly to the public. If you are seeking insurance cover, please contact an insurance broker to discuss your requirements.

The British Insurance Brokers’ Association (BIBA) provide a facility to search for brokers.

This can be accessed here or by calling 0370 950 1790.