What is Employers' Liability Insurance? UK Employers' Liability Insurance Explained.

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Video Transcription:
What is Employers' Liability Insurance?
Employers' liability insurance is what an employer would take out to protect themselves from any injuries that their employees may have while they're performing their occupation.

So, say your employees have gone up a ladder to clean a window and they fall off that ladder and injure themselves, then they'll be looking to make a claim against their employer for their injury.

Who needs it?
All employers need to actually have this insurance by law, it's a legal requirement so anyone who employs a person to work for them needs to have employers' liability insurance.

How much does it cost?
Employers' liability insurance can be as cheap as £10 per person right up to thousands of pounds per person, it's all based on the risks involved so obviously at the higher end of that would be people who are up ladders or using heat because obviously the risks are far greater.

Clerical workers though, would be right at the bottom of the scale just purely because obviously they're just writing on bits of paper and typing on keyboards so they won't have as much risk as the other type of people out there.

How long does a policy last?
It lasts for the same length as the public liability insurance policy that it's attached to so in most cases it will be an annual policy.

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