Why would I need this cover?

Employers’ Liability covers you against compensation you might have to pay, as damages, in respect of injury caused to an employee whilst they are at work.

Employers’ Liability insurance also covers organisations that need to defend themselves against actions taken against them for breaches of Health & Safety laws.

Our Employers' Liability cover does not include volunteers, who we cover under Public Liability insurance.

For example:

An employee of a charity trips over a computer cable and twists their knee, which results in a prolonged period of physiotherapy and treatment to recover. They subsequently claim against the charity, alleging negligence in that such an obvious ‘trip hazard’ should have been identified and resolved. The charity’s Employers’ Liability cover would settle this claim (within the conditions of the policy).

For more information about our Employers’ Liability insurance, or more details on our charity insurance, please feel free to contact one of our friendly experts on 0800 917 9420 or email enquiries@zurichtogether.co.uk.