What Is Employers’ Liability Insurance and What Does It Cover?

Employers’ Liability Insurance

Behind every successful business is a team of people who make it possible. Your employees are the most important part of your business, so it is necessary to keep them protected.

Business insurance provides cover for your employees and your company against potential risks. At Cubit Insurance, we help businesses choose the right cover for their needs.

Employers’ Liability Insurance

Employers’ liability insurance is a legal requirement for all businesses in the UK. It is mandatory even if you have just one employee. It covers claims from employees injured at work. The policy provides financial protection for compensation costs and legal fees.

Not having this cover can lead to fines of up to £2,500 for every day you are uninsured. Having the right policy in place keeps your business safe and your employees protected.

Protect Your Business Today!

Get a free quote today and find the right cover for your business with Cubit Insurance.

What Other Types of Business Insurance Do I Need?

Besides employers’ liability insurance, your business may need other types of cover as well. These policies help keep your business assets and clients safe from hazards.

Public Liability Insurance

Public liability insurance is a mandatory policy that covers damage to property or injuries to customers, suppliers, or visitors.

  • This applies if incidents happen on your premises or because of your work.
  • Useful for all industries because accidents involving the public can happen anywhere.

Professional Indemnity Insurance

If you provide advice or services to clients, Professional Indemnity Insurance is essential for businesses.

  • Covers claims if clients lose money because of mistakes or missed deadlines.
  • Commonly chosen by consultants, advisers, and service providers.
Liability Insurance

Business Contents and Equipment Insurance

Business Contents and Equipment Insurance protects your physical assets, such as office furniture, IT equipment, and tools, against loss or damage.

  • Pays for repair or replacement if items are stolen, damaged, or destroyed.
  • Prevents disruption caused by the unexpected loss of important equipment.

To understand all your options and make the best choice for your team, check out our complete guide on Business Insurance.

How Much Does Employers’ Liability Insurance Cost?

The price of employers’ liability insurance is based on the size of your business, the kind of job workers do, and your claims history. Higher-risk industries usually face higher premiums, while small office-based businesses may pay less. At Cubit Insurance, we provide tailored quotes that fit your business needs.

Need some expert advice?

Not sure which is the right cover for you? Call us at 0208 889 3333 for a free consultation and get a quotation in minutes.

How Cubit Insurance Can Help You

Cubit Insurance helps businesses find the best protection. We think about what kind of business you have, how many employees you have, and the risks that come with it. So, we recommend policies that fit your needs and budget. With our advice, you won’t have to pay for extra cover and stay within the law in the UK.

Keeping Your Business and Employees Safe

It is both your legal duty and a good way to grow your business to protect your employees. Employers’ liability insurance is essential, while other policies provide wider support for your company and staff. At Cubit Insurance, we make it easy to get the best cover so you can run your business.

Need some expert advice?

Let our friendly team help you choose the right insurance for you!

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Let Cubit Insurance find insurance for you at an affordable price. Our expert team will evaluate your needs and suggest the best policy right for you.