Employer Liability Insurance
Secure the Right Employer Liability Insurance with ABA Insurance
As a business owner, ensuring the safety and security of your employees is not just a responsibility—it is a legal requirement. Having the right Employer Liability Insurance cover in place protects your business from costly claims and legal complications, allowing you to operate with peace of mind.
At ABA Insurance, we specialise in providing tailored Employer Liability Insurance to safeguard your employees and business against unforeseen circumstances.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Employer Liability Insurance?
Employer Liability Insurance is a legal requirement for most UK businesses that employ staff. It provides financial protection if an employee suffers a work-related injury or illness and makes a claim against your business. This insurance covers compensation costs, legal fees, and medical expenses, ensuring your business is compliant with regulations while safeguarding your workforce.
Failure to have Employer Liability Insurance can result in substantial fines, making it essential for businesses of all sizes.
Why is Employer Liability Insurance Important?
Legal Compliance
Under the Employers’ Liability (Compulsory Insurance) Act 1969, businesses in the UK must have a minimum of £5 million in Employer Liability Insurance coverage. Without it, you risk penalties of up to £2,500 per day.
Protection Against Employee Claims
If an employee is injured or becomes ill due to workplace conditions, they have the right to seek compensation. Employer Liability Insurance covers:
Medical expenses
Legal defence costs
Compensation payouts
Loss of earnings for affected employees
Financial Security for Your Business
Without the right cover, your business could face serious financial difficulties in the event of a claim. Employer Liability Insurance ensures that claims do not impact your cash flow or business continuity.
What Does Employer Liability Insurance Cover?
Injury and Illness Compensation
Covers the costs associated with workplace injuries and illnesses, including compensation to employees for pain, suffering, and loss of income.
Legal and Court Costs
If an employee takes legal action against you, Employer Liability Insurance covers solicitors’ fees, court costs, and settlements.
Medical Expenses
Provides coverage for medical treatments, rehabilitation, and support services required due to work-related injuries or illnesses.
Cover for Temporary and Permanent Employees
Ensures all employees, including full-time, part-time, temporary, and contract staff, are protected under your policy.
Get The Right Business Insurance
What You Need To Look For In Getting The Right Employers Liability Insurance Policy
Finding Affordable Employer Liability Insurance
Many business owners struggle to find cost-effective coverage without compromising on quality. ABA Insurance provides competitive pricing with tailored policies that meet your specific needs.
Navigating Complex Insurance Terms
Understanding insurance policies can be overwhelming. Our expert team simplifies the process, explaining your options in plain English and ensuring you make informed decisions.
Fast and Easy Claims Process
A lengthy claims process can disrupt business operations. At ABA Insurance, we ensure a swift, hassle-free claims experience to get you back on track quickly.
Flexible Policy Options
Every business is different. That’s why we offer customisable coverage options to match the size and nature of your business, whether you run a small startup or a large enterprise.
How Much Does Employer Liability Insurance Cost?
The cost of Employer Liability Insurance depends on several factors, including:
The nature of your business
Number of employees
Previous claims history
Workplace health and safety measures
ABA Insurance offers flexible plans at competitive rates, ensuring you get the best cover at the right price.
Why Choose ABA Insurance for Employer Liability Insurance?
Specialist Expertise
Our team understands the unique risks businesses face and provides expert advice tailored to your industry.
Tailored Cover
We customise policies to ensure you receive the right level of protection, no matter your business type or size.
Fast and Simple Quotes
Get a quote within minutes using our online tool or by speaking with our friendly team.
24/7 Legal Helpline
Access expert legal advice whenever you need it, ensuring ongoing support for your business.
Transparent Pricing
No hidden fees. No unexpected charges. Just straightforward, fair pricing.
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Employer Liability Insurance Today
Protect your business and employees with reliable Employer Liability Insurance from ABA Insurance. Get a personalised quote in minutes or contact our expert team for tailored advice.