FAQs - What is employers’ liability insurance?

At constructaquote.com, we try to answer any questions you might have about the products and services we provide. 

If you find that your question is not answered below, please don't hesitate to contact us direct by using the number at the top of this page, by submitting an enquiry form on the Contact Us page, or by getting us to call you via our 'call back' option.

Why do I need employers liability insurance?

As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by an employee. It’s a legal requirement for you to take out employers liability insurance cover to insure against liability for injury or disease to your employees arising out of them working for you.

What is employers liability insurance?

Employers liability is a legal liability to pay damages consequent upon bodily injury, illness or disease sustained by any employee in the course of their employment. Employers liability insurance will cover the financial cost of any such claim 

How do I know if I need cover?

Every business employing staff is required by law to take out employers liability insurance. This includes business who employ sub-contractors, temporary workers, and trainees. Employers liability cover is mandatory if you are a limited company.

What is the limit of indemnity for employers liability insurance?

The minimum level required by law is £5m. However, through longstanding relationships with our panel of insurers all of the policies we can supply contain a minimum of £10m of cover.

How do I get a policy?

constructaquote.com’s online quote system compares employer liability insurance quotes from a number of our partner insurance companies on your behalf, in order that you get low cost cover, immediately. Once you have input your details into our easy to use quote engine we can compare the quotes, giving you the vital information in a clear and concise manner allowing you to make an informed choice.

Otherwise give our UK based sales team a call on 08081 686868 where they will be happy to help you find the right policy.