Employers Liability Insurance

Where can I get employers liability insurance quotes?

Companies that offer Employers' Liability Cover

• Direct Line
• Insurance Choice
• Endsleigh
• Norwich Union

Direct Line for Business

Direct Line for Business is a new venture from Direct Line, one of the UK's leading car and home insurers, offer up to £10 million worth of Employers Liability Insurance cover in eight business insurance products as standard or as an optional extra, depending on your sector.

• Tradesman Insurance as an optional extra
• Shop Insurance in standard contract, ideal for:
  • Hairdressers, clothiers and outfitters, grocers, sandwich bars, carpet and floorcovering, fancy goods, furniture dealers, newsagents, butchers and florists
• Residential Property Insurance optional extra
• Commercial Property Insurance optional extra
• Office & Surgery Insurance in standard contract
• Business from Home Insurance optional extra
• Hotel insurance in standard contract
• Pub & Restaurant Insurance in standard contract

As well as a 10% online discount, they guarantee to beat your existing business insurance renewal quote.

Plus that, if you insure your van with them, they'll give 10% discount on every additional van insured.

Endsleigh Insurance

You can buy employers' liability insurance from Endsleigh Insurance Services Ltd with add ons such as:

• Property Damage
• Business Interruption
• Theft
• All Risks
• Public and Products Liability
• Money
• Goods In Transit
• Book Debts
• Personal Accident

Endsleigh provide online quotes for specific industry sectors:

• Tradesman Insurance
• Shop & Retail Insurance
• Office Insurance
• Surgery Insurance

Insurance Choice

Warwickshire-based Insurance Choice offer both Employers Liability Insurance and Public Liability Insurance in one handy package.

• Employers Liability cover is £10million as standard - twice the minimum legal limit.
• Public liability cover ranges from £1m - £5m.

Insurance Choice quite rightly recommend that you take out the highest level you can afford.

They will also consider high risk trades and sites that other insurers won't.

For more information call Insurance Choice direct: 0844 55 77 415

Norwich Union

You can't buy employers liability cover from the Norwich direct - you have to go through a broker.

Now part of the giant Aviva Group - the seventh largest insurer on the planet and the biggest in the UK - they can provide your broker with an instant online quote.

They offer Employers Liability cover for just about every type of business including:

• Agriculture
• Construction
• Engineering
• Industry
• Leisure and Wellbeing
• Marine
• Motor Trade
• Office and Surgery
• Property Owner
• Pub, Restaurant and Hotel
• Retail and Wholesale
• Residential Property Owners
• Self-employed
• Shop and Salon

Reputable UK Brokers

Can I buy an insurance package that will cover all my business needs?

Insurance brokers and providers will generally include several types of covers in one package which could be more economical - as opposed to buying different individual covers from different providers.

As well as public liability insurance, examples of other types of cover that could be included in one comprehensive package are:

• Public liability insurance (compulsorary)
• Product liability
• Professional indemnity
• Property & contents
• Personal injury
• Business interruption
• Tools insurance

Your policy must be issued by an authorised insurer/broker otherwise it will not be valid and you risk breaking the law.

Many Insurers advertise on the Internet and provide online quotation and buying systems.

The Financial Services Authority (FSA) keeps a register of authorised insurers.

Check whether a company is authorised by searching their register on www.fsa.gov.uk, or telephone the FSA on 020 7066 1000.

You can also check whether an insurance provider is authorised to sell this type of insurance on the Association of British Insurers (ABI) website (http://www.abi.org.uk/CompanyList/).

Where can I go for further information?

Contact your local Health and Safety Executive (HSE) office. You can find their address and telephone number under Health and Safety Executive in the telephone directory.

Or get in touch with the Department for Work and Pensions.

If you need legal advice, for example, if you are unsure about whether someone is your employee, consult a solicitor or go to a legal centre or a Citizens' Advice Bureau.

Further information:

Tel: 020 7712 2745

(9.00 am - 5.00 pm Monday to Friday)

Fax: 020 7962 8524

Email: Employers-Liability-Insurance at dwp.gsi.gov.uk

HSE priced and free publications are available by mail order from HSE Books, PO Box 1999, Sudbury, Suffolk CO10 2WA Tel: 01787 881165

Fax: 01787 313995 Website: www.hsebooks.co.uk (HSE priced publications are also available from bookshops and free leaflets can be downloaded from HSE's website: www.hse.gov.uk.)

For information about health and safety ring HSE's Infoline Tel: 0845 345 0055

Fax: 0845 408 9566 Textphone: 0845 408 9577.

Or write to HSE Information Services, Caerphilly Business Park, Caerphilly CF83 3GG.

What if something goes wrong?

The Financial Services Authority (FSA) regulates the sale of insurance. Their website has details on how to make a complaint. www.moneymadeclear.fsa.gov.uk

If you are unhappy with the policy sold to you, or the manner in which a claim against you has been handled by your insurer, contact your insurer direct and lodge a formal complaint.

If you remain unhappy with their response to your complaint, you can refer the case to the Financial Ombudsman Service who will look into the matter on your behalf. www.financial-ombudsman.org.uk