As an employer, you are legally responsible for the health and safety of your employees whilst at work. Employers’ Liability Insurance provides you with vital protection against compensation claims from your employees if they are injured at work or become ill as a result of their work.
If you employ any members of staff, including conventional employees, contract staff, casual and seasonal staff, temps, students and others on work placements, it is a legal requirement to have a level of Employers’ Liability. If you have no Employers’ Liability cover, your business could be fined as much as £2,500 per day, until put into place.
Lloyds TSB Essential Business Insurance, Employers’ Liability insurance includes up to £10 million compensation cover, so you can trade confidently and without the risk of being unprepared for significant financial claims.
Lloyds TSB Essential Business Insurance, arranged and underwritten by Allianz Insurance plc, offers a range of packages that include Public Liability cover as standard.
Each package is designed to provide a range of covers to suit the trade selected. Simply find the trade that most closely matches yours, and you’ll be presented with standard cover, and various optional covers that you can tailor to meet the specific needs of your business.
For some trades, cover is unavailable online. If your trade is not listed in the drop down box in the 'Your Business' section when you click through to get a quote, please call the Business Insurance Centre on 0800 048 1669.
Employers’ liability up to £10m is included as standard in each of the packages below:
Available for a wide variety of businesses designed to cover assets, earnings and legal liabilities whilst trading from home.
Protection for shops and salons looking after your contents, goods in transit, earnings and legal liabilities.
Intended for business that trade from an office premises including cover for contents, cash and legal expenses and liabilities.
Insurance for restaurants and bars including deterioration of stock, earnings and various legal liabilities.
Employers Liability cover is included as an optional extra in the following packages:
Designed for small businesses to protect against a wide range of risks affecting contract workers’ and tradesmen.
Suitable for landlords and flat owners covering loss of rent, property damage and property owners liabilities.
The Allianz Business Insurance Centre can provide you with information to help you tailor your package to suit your business – including just public liability cover.
So if you can't find your trade in the quote list, just call the Allianz Business Insurance Centre on 0800 048 1669 (open 8am to 6pm Monday to Friday), and they’re also on hand to answer any queries you might have.
As with all insurance contracts terms, conditions & underwriting criteria apply. Please ensure you read the full policy wording for the package you select to ensure the cover meets your needs.