Employers' Liability Insurance

Employers' liability cover explained

Employers' liability insurance, also known as EL insurance, secures your business against the cost of a legal claim issued by current or ex members of the workforce if they are injured or suffer sickness when working for you. Any claims for compensation in the workplace can be costly but with the right levels of cover in place, you needn't worry if an accident happens. We can get to know the integral structure of your business and the finer details about what your employees do, then find suitable cover of £10 million from our panel of leading UK insurers.

The Employers Liability Act

In 1968, the Employers (compulsory insurance) Liability Act was filed ensuring employers have a minimum level of protection in the event an employee makes a claim following injury, financial loss or damages sustained within your premises or resulting from working for you.

If you employ a person who is not directly related to you (family) then we can help you obtain a certificate for EL insurance. This includes contractors, casual workers and temporary staff in addition to any full time permanent staff. This ensures you are covered if an employee becomes ill or is injured as a result of working for you.

"Excellent service. Very polite and helpful in every phone call. They always check that all paperwork has come and that it's right."

Do you need public liability insurance?

If you require employers' liability insurance, it is likely you may also need public liability insurance cover if your business interacts with clients or members of the public. This product can protect your business financially against property damage and personal injury claims in the event an accident happens and your business was deemed negligent. Our experienced team specialises in liability insurance and can build a single policy tailored to your business requirements following independent market comparison.

"I have used B&M Insurance for many years now for all my insurance needs, car, home, business, holiday etc and the service is always first class. Kevan and his staff are always friendly and helpful with any advice or quotes, and the speedy and professional manner is second to none. Highly recommended!!"

Grab an employers' liability insurance quote

We can help defend your business from the offset. With over 30 years of experience helping businesses in Greater Manchester get the correct level of cover they need, we can assess the risks you face and provide you with a comprehensive policy at an affordable price. Once you have a robust policy in place, clearly display your insurance certificate to your employees and HSE inspectors to see when they visit your premises. If you also implement good health & safety practices along with regular risk assessments, this should help reduce the amount of accidents and illnesses that occur in your business. Don't forget, we are only on the other end of the phone if you ever need any help.

"We have dealt with B&M Insurance for many years now and would have no hesitation in recommending them. Their service is always professional, prompt and they are a pleasure to deal with."