Employers Liability Insurance

At Robison & Co Insurance, we understand that as an employer, your employees are one of your most valuable assets. Employers Liability Insurance is essential for ensuring that your business is protected from the costs associated with workplace injuries or illnesses. With the right coverage, you can confidently focus on running your business while safeguarding the well-being of your staff.

What is Employers Liability Insurance?

Employers Liability Insurance is a legal requirement for most businesses that employ staff. It protects against claims made by employees who are injured or become ill as a result of their work. This insurance helps cover your legal obligation to cover medical costs, compensation, and legal fees if your employees are hurt or fall ill during their employment.

Whether it’s a slip-and-fall accident, a long-term illness caused by workplace conditions, or a legal dispute, Employers Liability Insurance ensures that you can manage the financial impact of these situations.

Who Does Employers Liability Insurance Cover?

Employers Liability Insurance is designed to cover all businesses that employ workers. It is a vital policy for any company, regardless of its size or industry. If you have employees, whether full-time, part-time, temporary, or contractors, you need to ensure that they are protected.

Who benefits from Employers Liability Insurance:

  • Small Businesses: Even if you have a small team, this insurance is essential to protect against unexpected claims.
  • Large Corporations: As businesses grow, so do the risks. Employers’ Liability Insurance provides comprehensive protection for larger teams.
  • Self-employed Contractors: If you employ anyone, even on a freelance basis, this coverage is a must-have.
  • Retailers and Manufacturers: Protect your employees from the risks involved in working with machinery or in customer-facing roles.
  • Professional Services: Consultants, architects, and other professionals benefit from the peace of mind Employers Liability Insurance offers.

No matter your business size, Employer’s Liability Insurance ensures that both you and your employees are safeguarded.

What is Included in a Typical Employers Liability Insurance Policy?

Robison & Co Employers Liability Insurance is comprehensive, providing protection from a range of risks associated with employee health and safety. A typical policy includes:
Injury Compensation
Covers medical treatment, rehabilitation costs, and compensation for employees injured during work.
Legal Expenses
Pays for legal fees and defence costs if your business is taken to court over a workplace injury or illness claim.
Rehabilitation Costs
Supports your employees in returning to work after an injury or illness, helping them regain their health and productivity.
Employee Illness
Covers cases where employees suffer from work-related health conditions, such as repetitive strain injuries or stress.
Public Liability Cover
In some cases, Employers Liability Insurance may also include protection for claims involving third parties that arise due to your employees’ actions.

Why Choose Robison & Co?

Choosing Robison & Co Employers Liability Insurance means opting for a reliable and customer-focused partner who understands the challenges of running a business. Here’s why businesses trust us:

  • Tailored Coverage: We offer flexible policies that can be adjusted to fit your business’s specific needs and risks.
  • Experienced Support: With years of expertise in the insurance industry, our team is here to guide you through every step of the process.
  • Affordable Options: We provide competitive pricing, ensuring that businesses of all sizes can benefit from essential coverage.
  • Quick and Efficient Claims: If you ever need to make a claim, we streamline the process to ensure a fast and fair resolution.
  • Trusted Service: We take pride in delivering exceptional customer service and protecting what matters most to your business.

With Robison & Co, you can rest assured that your employees are covered and your business is protected.

Get a Quote Today

Protect your business and employees with Robison & Co Employers Liability Insurance. Contact us today for a free, no-obligation quote and ensure that your workforce is covered. Our team is here to answer any questions and help you find the right coverage for your business needs.

Employers Liability Frequently Asked Questions

Yes, in the UK, Employer’s Liability Insurance is a legal requirement for most businesses with employees. Failure to have the correct coverage can lead to hefty fines and legal issues. There are however, a few exceptions.
Yes, if you employ just one person or more, you are legally required to have Employers Liability Insurance.
It covers a wide range of employee claims, including injury, illness, diseases contracted due to work and death. This can include accidents on-site or long-term health issues arising from working conditions.
The minimum cover required by law is £5 million, but many businesses opt for higher cover depending on their risks and the size of their workforce.
Yes, Employer’s Liability Insurance can often be packaged with other types of business insurance, such as Public Liability Insurance or Professional Indemnity Insurance. Contact us to discuss your specific requirements.

What Our Clients Say

Roger Ivimy – Private client

Extremely helpful and professional

Lesley Hickman – Business client

We have been with Robison for many years now. We were very grateful for the major savings we made with the transfer to Robison. Every year Simon does an extensive review of the market, and we are very confident that he has come up with the best price. Simon and his team are always available should we need help, also Simon is always happy to talk to our customers if needed.

Fiona Robinson – Private client

This company go above and beyond for their clients. I receive an efficient but more importantly a very personalised service. I have been a client for over a decade now and all my insurance is done through this firm. Marie looks after me and always replies to my questions whatever time of day. As I travel alot it makes all the difference to know “Marie has my back” whatever time of day it is. I was on the receiving end of what I took to be a fraudulent claim scam that was drawn out over a year. I always felt Marie believed me and helped me refute the claim and fight the case. We won in the end but often businesses choose to take the easy option and “roll over” when such a claim is made but these are honourable people with integrity. It is often when things go wrong that you really see the value of the company and particularly so with insurance. This company is still small enough to offer a personalised service and to really care about their clients. Thank you!

Oscar Lawson – Private client

Marie is always at the end of the phone ready to sort out anything I throw at her! Usually, my premiums are lower year on year, and I know she has my back covered. She is personable, always good humoured and gives me the best advice

Jo Hilder – Business client

Very helpful, friendly and knowledgeable insurance broker. Helped me out when I was struggling to find a decent yet affordable policy for doing business with the (rather litigious!) USA.

Rebekah Hart – Business client

Excellent bespoke service from all at Robison’s. Renewals are no longer dreaded now I have their help. Thanks Kerrie and Danny!

David Bridge – Business & Private client

Simon’s role as Managing Director of Robison & Co is characterised by considerable experience in the field of insurance, excellent customer care and an innate understanding of his clients’ diverse and often complex requirements. His advice is pertinent, timely and invariably of a high order and he demands similar standards of his motivated team. Strongly recommended from a business and client point of view.

Kevin Shilling – Business client

These guys are simply the best! Their understanding of my requirements, their diligence in getting sensible and rational quotes, and their all-round professionalism makes Robison & Co a top team, the best team. I use Robison & Co for property insurance, restaurant cover and business travel. If they flew aircraft, I’d fly with them.

Stuart Climpson – Business client

We have worked with Simon and his team at Robison for all our business insurance needs for many years now. The experience and knowledge are nothing short of outstanding. From the start, they always take the time to understand our operations, identified potential risks we hadn’t considered, and tailored a policy that fits perfectly. They are true partners in protecting our business. Their responsiveness, transparency, and ability to explain complex coverage in plain language makes the process smooth and stress-free. Highly recommend to any business looking for reliable, knowledgeable, and customer-focused insurance support.

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