What is Employers’ Liability Insurance and Why Do I Need It?

Knightsbridge PCS
Dec 13, 2018 · 3 min read

Knightsbridge PCS helps individuals and businesses navigate daily life with financial security and freedom.

What is Employers’ Liability Insurance?

Employers’ liability insurance covers illness, injury, and other accidental costs associated with a work-related incident which is not covered by traditional workers’ compensation.

Why might workers’ compensation not be enough to cover damages, and why does this lead to the need for employers’ liability insurance?

According to sources at Investopedia, “There is no need for the employee to sue the employer to establish fault in order to qualify for workers compensation,” they say. “However, if an employee feels that workers’ compensation doesn’t adequately cover their loss — perhaps because they feel their employer’s negligence caused their injury — they may decide to sue their employer for punitive damages, such as pain and suffering.”

What does this mean for a business owner? It could mean going to court, along with paying the associated costs. Below, Knightsbridge PCS examines the value of having employers’ liability insurance on-hand.

Why business protection is important

As a business owner or employer, staying on top of day-to-day activities along with the bigger picture is inexorable to the pursuit of success, as well as the preservation of safety. However, no one is perfect, and as the saying goes, “to err is human…”

Sometimes, making a mistake is inevitable. However, it is important to not let one of these mistakes take down the security of an entire business. Say, as an employer, you hire an individual who proves to be unskilled or unable to perform the duties of their job, and as a result of this, they hurt another employee. As the person responsible for hiring this individual, it is likely you would be legally responsible for these damages.

Having employers’ liability insurance can help cover costs should something like this happen to you or your business. In addition, employers’ liability insurance can assist with court costs, attorneys’ fees, and other related costs.

There are multiple ways an employer can be sued by an employee. Protecting your business against these possibilities with employers’ liability insurance not only provides peace-of-mind but can end up acting as a business’s saving grace.

Employers’ liability insurance with Knightsbridge PCS

Knightsbridge PCS help with employers’ liability insurance.

Within the Employers’ Liability (Compulsory Insurance) Act 1969, the law mandates that business owners carry a certain minimum amount of liability insurance to protect against employee injury and accident claims that are not covered under workers’ compensation or another insurance institute or appropriate financial program or institution.

Having reliable, adequate employers’ liability insurance provides business owners with the assurance that they are covered if one of their employees was hurt at work, particularly if you are found to be somehow responsible for the resulting accident and/or injury. Call Knightsbridge PCS today to discuss employers’ liability insurance further, at, 01249 651212 or visit our employers’ liability insurance protection enquiry form here.

Knightsbridge PCS

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