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When do employer liability exclusions apply?

There are certain circumstances where you are not legally required to hold an employer’s liability cover, although we can advise you if your business falls outside the legal requirement. If you have a family business and all your employees are closely related to you, however, this does not apply to family businesses that are incorporated as limited companies. Businesses that only employ their owner, or where that employee also owns 50% or more of the issued share capital in the company are also exempt. More advice can be found on the UK Government’s Health and Safety Executive website.

We’re experts in employer’s liability insurance

Very few insurance brokers understand the industry as well as we do. For over a decade we have specialised in insuring and advising finance, technology and media companies about their risk. As specialists, we understand the risks of consultants and businesses, and what you need to support and protect your business. Working closely with insurers, and insuring all businesses types from self-employed to high-value FTSE companies and Family Offices, we offer insurance packages with comprehensive protection not available anywhere else.

Employer’s liability insurance covers

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