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What Is Employers' Liability Insurance?

Find out more about Employers’ Liability insurance and what it covers.

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What Is Employers’ Liability Insurance And What Does It Cover?

Any motor trade business that has at least one employee is required by law to have sufficient Employers’ Liability insurance in place to protect their employees against illness, injury or even death, which arise as a result of their employment. In the motor trade, working with tools, heavy equipment and chemicals, there are numerous hazards and risks, meaning the chance of an accident occurring is high and so having the right insurance in place is vital. 

Motor Trade Employers’ Liability Insurance Explained

As an employer, it is your responsibility to ensure the health and safety of anyone you employ in your business while they are at work. Accidents may occur and your employees may be injured, become ill or even die as a result of something happening in the work place. They (or their family in the event of death) may try to sue you and claim compensation if there is a belief that you, as the employer, are responsible. To protect business owners and employers against this, the Employers’ Liability (Compulsory Insurance) Act 1969 was introduced, making it compulsory for employers to have a minimum level of insurance to protect themselves. 

You can be fined up to £2,500 per day that you do not have cover in place, should you be caught out, and this can be backdated to the start of the period of employment. The Employers’ Liability insurance would pay out in the event you need to cover any compensation claims for your employees’ injuries or illnesses. It doesn’t matter whether the injury is caused on your premises or off-site, as long as the person incurs them while carrying out their work. 

However, if the injuries are as a result of a work related motoring accident, such as delivering a part, or collecting supplies, then they may be covered separately by your main motor trade road risk insurance policy. 

So why do you need Motor Trade Employers’ Liability cover?:

  • It is a legal requirement for all employers
  • To protect your employees health and safety
  • Cover compensation claims for illness
  • Cover compensation claims for injury
  • Cover compensation claims for death
  • Protection for your business
  • Peace of mind for your employees

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