Employers’ liability insurance protects you financially against compensation claims made by your employees. If one of your staff members suffered an accident at work, you could face legal fees and pay outs for compensation. Employer’s liability insurance is a legal requirement for any business with employees. So it pays to have protection in place.
We include employers’ liability insurance as standard if you employ staff. It’s required by law for owners or managers of pubs and restaurants and provides protection for both part and full-time staff. Employers’ liability insurance can provide cover against claims by employees who have suffered an injury in the course of their employment.
It’s particularly useful if you employ handymen, builders or plumbers to maintain your bar. If someone that you employ suffers an injury, or worse, you could face exposure to compensation claims. Therefore that might mean hefty legal costs that many small businesses just can’t stretch to.