Employers' Liability Archives

Employers’ Liability Insurance is a form of cover that is often compulsory for anyone who employs staff. It provides legal protection in the instance that an employee is injured or becomes ill as a result of the work they do for you. Your Employers’ Liability Insurance policy must cover you for at least £5 million and come […]

Do You Need Employers’ Liability or Professional Indemnity Insurance as a Self‑Employed Contractor?

Working as a self-employed contractor in the UK can offer flexibility and independence, but it may also bring a range of responsibilities. One of the most important considerations is whether Employers’ Liability Insurance or Professional Indemnity Insurance could be required or beneficial for the type of work carried out. Understanding the purpose of each type […]

Restaurant Insurance Basics: Equipment, Employer Liability & Stock Cover

Running a restaurant in the UK can involve a wide range of operational risks. From protecting valuable kitchen equipment to meeting legal responsibilities as an employer, having the right restaurant insurance in place could be essential for safeguarding the business. Understanding the core types of cover available and the risks they can help protect against […]

Top 7 Pub Insurance Extras: Employers’ Liability, Glass & Fire Cover Explained

Running a pub in the UK often involves managing more than just the day-to-day trade. From public safety and staff protection to the safeguarding of equipment, stock, and fixtures, having appropriate pub insurance can be crucial. While core policies such as public liability are widely known, there are additional cover options that may offer valuable […]

What’s Included in Hotel Cover? Employers’ Liability & More

Operating a hotel in the UK can present a variety of risks. From welcoming large volumes of guests to managing a team of staff and safeguarding valuable contents, hotels often require insurance that can offer protection across multiple areas of the business. Arranging suitable hotel insurance can help protect the premises, employees, and the public […]

Public Liability or Employers’ Liability: Which Cover Fits Your Salon?

Running a beauty salon comes with responsibilities – not just for your clients’ looks, but for their safety and your team’s wellbeing too. Beauty salon insurance helps protect against things that could go wrong, from customer injuries to treatment issues. Knowing the right type of cover could make a real difference if an incident happens. […]

Restaurant Insurance UK: Public Liability, Employers’ Liability & Contents Covered

Running a restaurant in the UK can involve managing complex risks. From public safety to staff protection and safeguarding essential equipment, arranging the right restaurant insurance could be key to helping protect the business against potential financial losses. This guide explores core restaurant insurance policies, including Public Liability Insurance, Employers’ Liability Insurance, and Contents Cover, […]

PI Insurance Extras: Adding Public, Employers’ Liability & Cyber Cover to Your PI Policy

Professional indemnity insurance can be an essential safeguard for businesses that provide consultancy, advice, or design services. However, many professionals operate in environments where risks extend beyond professional errors. To create a more rounded risk management strategy, it is often worth considering additional types of cover that complement an existing PI policy. This article explores […]

Does Employers’ Liability Insurance Cover Subcontractors, Apprentices & Homeworkers?

Businesses that engage others to work on their behalf, whether in a permanent, temporary, or flexible capacity, face a range of responsibilities. Among them is ensuring that individuals such as subcontractors, apprentices, and home-based workers are protected against injury or illness that could arise in the course of their work. We explore how employers’ liability […]

Employers’ Liability vs Public Liability: What’s the Difference for UK Employers?

Employers across the UK face a range of risks when running a business. Whether operating in construction, retail, consultancy, or hospitality, there may be exposure to accidents involving both employees and members of the public. Two key types of cover that often come into consideration are employers’ liability insurance and public liability insurance. While these […]