Employers’ liability insurance for shops protects you financially against any compensation claims that crop up if one of your staff has an accident at work that is the fault of your business. It is a requirement by law if you employ anyone, so comes as standard in our small business insurance policies.
We always include employers’ liability insurance for shops in your cover package, if you employ staff. It’s a requirement by law and comes as standard, with protection for many types of workers. Employers’ liability insurance provides cover against claims by employees who suffer an injury or illness in the course of their employment. This would apply if an accident occurs because health and safety rules have not been implemented.
The reasons are quite simple. As a responsible business owner and employer the welfare of your staff is in your hands while they’re at work. If someone suffers an injury, or worse, it could result in hefty compensation and legal costs that many small businesses just can’t stretch to.