Employers' liability insurance for small business owners

Comprehensive cover to protect your business and your employees

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Quick and easy online quote and buy in minutes!

Trusted by over 25,000 businesses across the UK

Up to £10m employers’ liability cover

Why you need employers' liability insurance

Employers are responsible for the health and safety of their employees while they are at work.

Employers’ liability insurance is a legal  requirement if you employ one or more persons.

It is a compulsory insurance requirement under the Employers Liability Act (1969) and is a criminal offence not to carry employers’ liability insurance if you employ staff.

The minimum requirement is £5m of cover, Caunce O’Hara provide £10m of cover as standard.

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What can lead to an employers’ liability insurance claim?

There are many instances that can give rise to a claim, including:

An employee could fall from a ladder and injure themselves in the course of their work.

An employee could be working on a production line for hours without a break resulting in a repetitive strain injury.

A former employee could show symptoms of illness that have been caused as a result of the work they performed for your business.

Therefore, it is prudent to ensure your business is covered with a comprehensive policy that enables you to work with peace of mind.

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Insurance that reflects your self-employed status

Get a free online quote for your business insurance today.

To start your personalised business insurance quote, simply click the ‘Start Your Quote’ button. You can see a quote in as little as 90 seconds!

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How can I protect my business against a liability claim?

As with all potential issues, prevention is far better than cure… and usually costs less.

No matter what size your business is, it is a good idea to have a risk management plan in place. Many risks that a business might face are not immediately visible to the untrained eye.

A risk management plan will help identify potential risks and provide opportunities for those risks to be reduced, or even eradicated, to prevent accidents and potential insurance claims.

As an employer it is a legal  requirement to carry employers’ liability insurance. This policy will help to protect your business against a claim from an employee.

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Insurance for freelancers, contractors and small businesses

Choose from our range of insurance protection products below. Simply click for a quick online quote.

For self-employed professionals

Professional indemnity insurance

Protects against claims of alleged negligence in your professional services, advice and designs.

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For self-employed professionals

Public liability insurance

Protects against injuring a member of the public or damaging their property. Click to build a quote online in minutes.

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For business owners

Employers’ liability insurance

A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.

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For self-employed professionals

Legal expenses insurance

Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.

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For self-employed professionals

Personal accident insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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For self-employed professionals

Commercial crime insurance

Cover for work injuries, illnesses caused by work and compensation awards.

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Benefits of Caunce O'Hara business insurance at a glance

There are many benefits to our business insurance for freelancers, contractors and self-employed business owners, including:

1
Business insurance that gives you peace of mind you are covered.
2
Immediate cover available, with documents issued via email in minutes!
3
Flexible monthly payments.
4
Cover for legal fees and compensation awards.

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Frequently Asked Questions

Some of the most common questions people ask about liabilities insurance

Employers Liability cover is required by law for most businesses. You will need it if:
▪ You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
▪ You have control over where and when your employees work.
▪ You have the right to claim profit made by your employees.
▪ You provide the equipment and materials your employees use.
▪ You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
▪ You have part-time or temporary employees.

▪ Legal expenses – Should a claim be made against you the policy will provide cover to help with the cost of legal proceedings.
▪ Cost of repairs – The cost of repairing damage to the claimant’s property, such as accidentally knocking over and breaking a valuable ornament in their offices during a meeting, or a plumber causing a leak/flood to a customer’s premises and damaging carpets as a result.
▪ Medical fees – The cost of hospital treatment, including ambulance call-out, if a claim is made against you for these.
▪ Compensation claims – Injury to third parties or damage to their property if an accident occurs on your business premises, a client’s premises or elsewhere.

• Public liability insurance covers against injury caused to third parties (or damage to their property) due to your negligence.
• Product liability insurance against injury caused by a product that you have supplied.
• Employers’ liability insurance covers your business from the cost of defending a claim against you from an employee who has suffered injury or disease as a result of the work they undertake for you.

If you are unsure if you need professional indemnity insurance, this list of instances when it is advisable to be insured:
▪ You provide an expert service to your clients
▪ You provide consultancy and advice to your clients
▪ You handle personal information and data for your clients
▪ Your professional membership body insists you carry it
▪ Your client insists that you have it.

The level of protection you need will depend on the value of the work you do and the potential liability. Caunce O’Hara can help you build the ideal insurance policy that will help protect all areas of your business.
Available limits of indemnity range from £50,000 cover per annum up to £5,000,000 per annum.