Employers Liability Insurance
All employers, regardless of how many employees you have, have a legal responsibility to protect their people against injury or disease. Should the unfortunate happen, an Employers’ liability policy provides cover for compensation and awards made against you.
The requirement of cover is legal, governed by the Health and Safety at Work etc. Act 1974, which is the main law on health and safety. Under the Act, employers have a legal obligation to obtain cover up to £5,000,000 any one loss, although insurers typically provide a £10,000,000 limit as standard.
An insurer will expect you to take reasonable steps to comply with the requirements of the Act and other related regulations but will not refuse to pay a claim purely because of a breach of health and safety regulations.