Employers Liability is cover required by law. This insurance provides an indemnity in respect of a company’s legal liability for injury or disease sustained by the employees caused by or arising out of their employment.
Cover is on a worldwide basis for employees normally resident in the UK but includes employees who are temporarily working overseas.
Labour only sub-contractors, work experience and government scheme trainees are deemed to be employees.
Premiums are calculated on the estimated annual wages and then adjusted at the end of the policy period based on the actual declared wages. This adjustment could result in an additional or return premium.