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What is Employers Liability Insurance?
Employers' liability insurance in fact a compulsory form of insurance for anyone that has employees working for them in the UK.
Essentially, as an employer you are responsible for the health and safety of your employees whilst they are on the job. You are also responsible for employees that may fall ill as a result of your employment -- even if they are no longer working for you or your company. Should an employee injure themselves or fall ill due to their job with you or your company, they make a claim against you ...
Employer's liability insurance, or EL insurance for short, will provide you with at least the minimum level of protection you need from claims like these from employees and ex-members of staff. Of course, it is up to you to decide the level of cover you think you will need, it always makes sense to for more cover, rather than less -- you can never be over-insured!
Many firms that work with public also look into public liability insurance. This is not compulsory cover, but will protect you from third party claims, should a member of the public injure themselves or experience damage to their property on your premises.
It's important to remember that a lot of employer liability policies will not cover claims relating to motor accidents or injuries. For protection for claims like this you will need a commercial vehicle or business car insurance policy - discuss this with your insurance broker.