Employers' Liability Insurance Explained

Employers’ Liability insurance protects your business from claims of negligence made by employees who have suffered an injury or ill health due to their work.
However, this varies depending on the size and the nature of the business to insure.
To work out what your EL limits may be, here are 6 important things to consider:
1) Multiple Claimants – your EL limit applies to each claimant individually. While the minimum limit should be able to handle a single claim… it’s important to keep in mind that multiple claims may emerge from a single incident.
2) Nature of activities – Review what activities your staff are doing to better gauge the likelihood and potential cost of an EL claim.
3) Inner limits – EL policies may have exemptions such as incidents that arise from terrorism, war or nuclear risk. Learn what your policy limitations are to better protect your business from risks.
4) The concentration of staff – If your staff are concentrated in one main area, or several small ones, you may need a higher

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