*Based on cover for one office-based employee
Employers Liability Insurance is a business insurance policy that covers you for the defence costs and liability where it’s alleged that an employee of your company has suffered injury, illness, or accidental death as a result of their employment with your business.
Our Employers Liability policy is designed to protect you and your business, and ensure you can meet your obligations as an employer by insuring the costs of defending a claim from an employee, past or present, as well as the damages for which you may be found liable.
This policy is a legal requirement for those employing one or more workers, regardless of whether these workers are fee-earners, clerical, or otherwise. However, this legal requirement doesn’t extend to sole traders if their only employees are close family members.
Please note that this policy can only be purchased alongside a Qdos Public Liability policy. We’ll ask you for your ERN (Employee Reference Number) during the application, but don’t worry if you don’t have it to hand; you can provide it later.
Employers liability insurance covers your business in the event an employee seeks compensation for bodily injury, illness or accidental death suffered as a result of their employment with you. The coverage provided by employers liability insurance can be understood in two categories:
Should an employee bring legal action against their employer, alleging said employer is responsible for bodily injury, illness or accidental death the employee has suffered, the Employers Liability insurance will cover the legal representation/defence costs as necessary.
Should the outcome of this dispute be that the employer is liable for the illness, injury or accidental death, the policy will also pay the compensation owed, up to the limit of indemnity on the policy.
The statutory minimum for this cover is £5,000,000 however for the majority of trades Qdos provides cover at the industry standard £10,000,000. Please note the statutory minimum limit of £5,000,000 will apply in some circumstances (e.g. claims related to asbestos exposure or originating offshore), full details on the limit are provided in policy documentation.
A claim can be made on employers liability insurance after the policy has expired but in order for the policy to react to an incident it must have been in place at the time the incident or cause that gave rise to the claim occurred. For example, an employee exposed to asbestos may not develop symptoms of asbestos-related diseases until 50 years later. If the employer had a suitable employers liability insurance policy in place at the time the employee was exposed to asbestos, the policy would react if/when the employee claims compensation some years later.
The policy excess for Qdos Employers Liability Insurance is nil.
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