Employers Liability Insurance

Churchill is no longer offering Tradesperson and Professionals Insurance.

If you need Tradesperson or Professionals Insurance, you can get a quote from our friends at Direct Line.

Direct Line and Churchill are both underwritten by U K Insurance Limited.

If you already have a Churchill tradesperson or professionals insurance policy, check out our answers to some common questions for more information.

What is Employers’ Liability Insurance?

Employers' Liability Insurance covers you if one of your employees is injured or becomes ill due to the work they do for you and makes a claim.

For example, if an employee injures themselves using a piece of machinery they haven’t been properly trained on, they could file a claim against you.

You can add £10 million of Employers' Liability cover to your public liability policy as an optional extra for an additional premium.

Employers’ Liability Insurance covers your legal fees and costs if an employee makes a claim against you. It could also cover their medical expenses.

Some examples of when Employer’s Liability Insurance covers you include:

An employee loses their hearing after years of working with noisy machinery
Someone trips over a box that’s been left lying around
Your receptionist develops a repetitive strain injury and can’t use their computer

Public Liability Insurance covers you if a member of the public or a client hurts themselves or becomes ill because of your business activities.

Employers' Liability Insurance covers you for the same reasons but focuses entirely on your employees.

Another essential difference is that Employers' Liability Insurance is required by law but Public Liability Insurance is optional.

You can read our Professionals policy documents below.

These are standard documents that might be different to the ones you received when you took out your policy.