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Defining Employer’s Liability Insurance

What is Employers’ Liability insurance (EL insurance), and why is it so important? When you make a personal injury claim, terminology might appear that you don’t fully understand. This is normal, but you don’t need to go through the process blind– We’re here to help, and this guide will take you step-by-step through everything you need to know about EL insurance.

Essential Information

  • Most employers in the UK are required to have Employers’ Liability insurance by law
  • Failing to take out the appropriate policy can result in monetary fines
  • If you make a successful accident at work claim, your employer’s insurer will pay your compensation
  • At Legal Expert, our solicitors can work on your accident at work claim on a No Win No Fee basis

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We are here to help. If you can’t find the answers that you’re looking for in this guide, feel free to talk to a member of our team by:

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Jump To A Section 

  1. What Is Employers’ Liability Insurance?
  2. What Is Covered By Employers’ Liability Insurance?
  3. Is It Compulsory For An Employer To Have Employers’ Liability Insurance?
  4. What Types Of Claims Can Employers’ Liability Insurance Cover?
  5. How Can Legal Expert Help After An Accident At Work?
  6. More Information

What Is Employers’ Liability Insurance?

Employers’ Liability insurance is a kind of insurance policy that your employer can take out to protect them from compensation claims. Most employers are required by law to have a policy that covers up to £5 million, which means if an employee or a visitor makes a claim, they’re more likely to be able to cover their compensation. This is set out by law in the Employers’ Liability (Compulsory Insurance) Act 1969 (ELCIA).

If your employer fails to comply with the law, they may face monetary fines. For example, they could be fined up to £2,500 for every day that they go uninsured, and face a further £1,000 fine if they are insured but fail to display their certificate.

If you’d like to learn more about the question “What is Employers’ Liability insurance?” keep reading. Alternatively, you can speak with a member of our team if you’ve been injured in a work-related accident.

What Is Covered By Employer Liability Insurance?

Employers’ Liability insurance covers your employer if an employee or a visitor makes a claim. This means it pays the cost of:

  • General and special damages, two forms of compensation that address your physical and psychological injuries as well as financial losses, like lost earnings
  • Legal fees, like the cost of a solicitor, Court fees, and other costs
  • Any other costs that arise throughout the claims process

This can be helpful to be aware of, especially if you work for a small business. A lot of people come to us with the concern that claiming will put their employer in a difficult financial position, but EL insurance means that this is simply a misconception. You don’t need to worry about your compensation coming from their pocket, because their insurance covers it.

If you’re ready to start your claim against your employer’s EL insurance, contact our team today. Or, keep reading for more information on why insurance is so important.

Is It Compulsory For An Employer To Have Employers’ Liability Insurance?

Yes, it is compulsory for most employers to have Employers’ Liability insurance. However, some people are exempt, as per section 2 of the ELCIA. This can include:

  • Owners of family businesses and people who only employ family members
  • Employers who employ people who do not live or work in Great Britain

Can An Employer Face Charges If They Do Not Have Insurance?

Yes, if your employer fails to provide insurance when required, they can face charges. These are typically monetary fines, ranging from £1,000 for failing to provide a valid certificate to £2,500 per day that they remain uninsured.

Plus, if you make a claim but your employer does not have the insurance that they need, they may be personally responsible for paying your compensation and legal fees. Contact our team today to learn more about this, or keep reading for more information.

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What Types Of Claims Can Employers’ Liability Insurance Cover?

EL insurance covers your employer for a lot of common claims, including:

Additionally, EL insurance can also cover your employer if a visitor is involved in an accident while on the premises. This means it also covers certain types of public liability claims.

We understand that the personal injury claims process can seem daunting, but we are here to help. Keep reading to find out how our expert solicitors could help you, or contact our team today if you’re ready to get started.

How Can Legal Expert Help After An Accident At Work?

At Legal Expert, our clients are our top priority. As part of our cutting-edge client-forward approach, every single one of our solicitors offers a Conditional Fee Agreement (CFA). This is a kind of No Win No Fee contract that allows anyone to access the services of a solicitor, regardless of their financial status.

Under this kind of agreement, your solicitor will do everything they can to secure your compensation payout, without:

  • Taking any upfront fees for their work
  • Taking any payment as their claim is ongoing
  • Taking payment for their work at all if your claim fails

If you do make a successful claim, and your solicitor helps you receive compensation, then they’ll deduct a small portion of this as their success fee. This is taken as a small percentage, but there’s no reason to worry: the percentage they can take is capped by law, which means you keep the larger share of your payout.

Our solicitors are experts in accident at work claims, and they’ve got over thirty years of combined experience. They’ve already secured over £80 million worth of compensation for their clients, and you could be next.

Contact Our No Win No Fee Workplace Injury Solicitors

Contact us today to learn more by:

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More Information

For more helpful personal injury claim guides:

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Thank you for reading our glossary guide. We hope we’ve successfully answered the question, “What is Employers’ Liability insurance?”