Employers’ liability insurance protects you financially against compensation claims made by your employees. If one of your staff members suffers an accident at work, you could face legal fees and pay outs. So it pays to be protected.
Employers’ liability insurance is a legal requirement for any business with employees. We include it as standard in your small business insurance package if you employ staff. It’s necessary for owners or managers of hotels and guesthouses to protect both part-time and full-time staff. Employers’ liability insurance provides cover against claims by employees who have suffered an injury in the course of their employment.
It’s particularly useful if you employ full-time handymen, builders or plumbers to maintain your hotel. An injury sustained by a contractor whilst working for you could leave you liable to compensation claims. And that might mean hefty legal costs that many small businesses just can’t stretch to.