Employers Liability is cover required by law. This insurance provides an indemnity in respect of your legal liability for injury or disease sustained by your employees caused by or arising out of their employment. Cover is on a worldwide basis for employees normally resident in the UK but includes employees who are temporarily working overseas.Cover also includes legal costs and expenses incurred with the written consent of insurers in defending prosecutions under the health and safety legislation of Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
Labour only sub-contractors, work experience and government scheme trainees are deemed to be employees.
Premiums are calculated on the estimated annual wages and then adjusted at the end of the policy period based on the actual declared wages. This adjustment could result in an additional or return premium.