Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment.
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Employers are responsible for the health and safety of their employees while they are at work. If your employees are injured at work, or they become ill as a result of their work while in your employment, they may claim compensation from you if they believe you are responsible.
The Employers' Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. Employers' liability insurance will enable you to meet the cost of compensation for your employees' injuries or illness whether they are caused on or off site. Injuries and illness relating to motor accidents that occur while your employees are working for you may be covered separately by your motor insurance.
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