Employers Liability Insurance

Employers Liability Insurance

We provide employers liability insurance in Northern Ireland. As liability insurance specialists we are well placed to provide you with our best terms for your employers’ liability requirements and therefore ensure that your business is properly protected in respect of any claims made against it.

What is employers liability?

The employers’ liability policy protects the policyholder against any claims made against them in respect of their legal liability for death, disease or personal injury sustained by an employee during the course of their employment. This cover is sometimes referred to as Workers Compensation Insurance.

The costs of defending an employers liability claim can be very high and even if successful and no awards are made in favour of the employee the cost may have a permanent effect on the business of the employer.

The employers’ liability policy not only meets the cost of any awards made against the employer but perhaps as importantly meets the cost of defending any claims.

employers compensation insurance
employers compensation insurance

What is the limit of indemnity under an employers liability insurance policy?

The limit of indemnity under an employers liability policy is expressed as a limit to anyone claim and in the aggregate. This means that the limit shown in the policy is the maximum amount of the insurance company’s liability in respect of anyone claim and also in respect of all incidents in the current policy year.

The standard limit under the policy is £10M although higher limits are available upon request.

What is the excess under an employers liability policy?

There is generally no excess under an employers liability insurance policy.

How do I buy employers liability insurance?

Whilst employers liability insurance is a standalone and distinct cover in its own right it is not generally available other than alongside a public liability policy whether this is a combined liability insurance policy or as part of a more extensive package of insurances such as shop, office or business combined.

How do I apply for employers liability insurance in Northern Ireland?

Click here, or the apply button below to begin designing your policy