Employers’ Liability Insurance

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Employers’ Liability Insurance

As a business, you do your best to limit the possibility of injury or illness to your employees resulting from their work. But if they do have an accident or become ill, your business could be sued for compensation under your employers’ liability insurance. As a result, businesses in Ireland that employ staff are advised to have employers’ liability insurance to provide cover them against a claim from an employee.

To help protect your business, S.A. Faughnan (Brokers) Ltd. can provide small, medium and large businesses with employers’ liability insurance together with a range of business covers including public/products liability insurance.

What does an Employers’ Liability insurance policy cover me against?

Injury or Illness claims from Employees
Costs of defending an employee claim

Personal Property damage claims from Employees
Compensation awards made to Employees

Claims from voluntary staff, self employed persons, agency workers including labourers

Why have employers’ liability insurance?

In most cases if you have employees, employers’ liability insurance with cover of at least €13 million, is recommended in order to protect your employees and your business alike
Easy access to ‘no win no fee’ legal services which help employees claim compensation may increase the likelihood of a business experiencing an employers’ liability claim, if they suffer an accident or illness which they think has been caused as a direct result of their work
Your employers’ liability could be triggered even if the employee is a voluntary helper, casual worker or is self-employed, but working under your supervision
The legal and compensation costs of defending your business against an employers’ liability claim could significantly damage your business if un-insured
Many companies, local authorities, main contractors or organisations will also insist on their suppliers having employers’ liability insurance cover in place

How does Employers’ Liability Insurance protect you and your business?

Pays your legal and compensation costs if you are sued by a member of your staff if they believe their work has caused them injury or made them ill or by their legal representatives in the event of their death at work
Covers any person working for you in connection with your business even if they are voluntary help or self employed
It can be added to your public liability insurance which covers compensation you have to pay a client, contractor or member of the public due to accidental injury or property damage

What other insurance cover do I need to consider to adequately protect my business?