As a small business, insurance might be the last thing on your to-do list. It’s costly, it’s…
FCA Authorised & Regulated
Specialist Cover Quoted within 24 hours
Dedicated UK Insurance Specialists
50,000 + Active Policyholders
Fast Specific Cover
We are industry specialists. We compare products and polices from many different insurers to save you time and money
Easy Claims Process
Accidents and Incidents can happen. When it does, rest easy knowing our team is on hand to make this process as quick and easy as possible
No mid term fees, ever
As you business grows and evolves you can be sure that we wont make any additional charges to your insurance policy so you need to scale up or down.
Refer a friend to us and you can receive up to £50. Your friend will receive the great benefits that you do too.
Specialist that understand
We know how your business works and where the potential pitfals are. Help is always on hand, whenever you need it.
Tailor made policies
We realise that one size doesn’t fit all. Our policies are expertly crafted to meet your specific requirements.
Clarity of cover and putting you first. Its built into our ethos and everything we do at Livingstones. Put us to the test, you'll be glad you did.
Positive green credentials
We support local charities and are making huge strides to reduce our environmental impact as much as possible.
To help you budget, we offer monthly installments on all of our products. A small helping hand to help with your finances.
Why would I need Employers Liability?
Employers Liability Insurance FAQs
Most likely yes. Any business that has employees will need adequate employees liability insurance. If your business is found to be operating without the right coverage, you could be subject to a big fine.
Employers liability insurance covers you in any situation where an employee is injured or taken sick as a result of working for you. In some instances, they may sue you for compensation and your insurance will cover the costs associated with this.
The main difference between these two types of insurance comes down to the person that is making the claim. If they work for you, you are covered by your employers liability insurance. But if they are a member of the public that is injured at your business, for example, you are covered by public liability insurance.
Anybody directly employed by the business, including directors, counts as an employee. However, sub-contractors and freelancers may also come under the same classification, depending on how often they work for your business.
The legal minimum amount of cover is £5 million, but most insurers offer £10 million as standard. Policies with higher coverage are available, if necessary.
Yes. There are single policies available, but it is usually purchased as part of a business insurance package that includes public liability and professional indemnity insurance too. This gives your business all of the protection it needs.
Unfortunately, you cannot stop an employee from making a claim against your business. But your insurance policy will protect you if they do.
The cost of a policy is completely dependent on the level of risk involved and the number of employees working for the business. Companies that engage in more dangerous activities will pay more for coverage.
If you are concerned about the cost of insurance coverage, Livingstones Insurance can help you find the best possible policy for the lowest price.
Benefits of employers liability insurance
- Avoid big fines for not having the right insurance coverage
- Protect yourself against lawsuits from employees due to illness or injury
- Cover the cost of staff shortages as a result of illness or injury
- Get a specific policy that is tailored to the needs of your business
- Find low cost insurance options
- Flexible payment plans
- Excellent customer service
- Deal with reliable insurance companies
- 24 hour claims line
Articles & Insights
Restaurant Insurance – What insurance do I need when running a restaurant?
The restaurant business is one of…
The great British public house is still at the heart of our society. Of course, every…
Petrol Station Insurance – What insurance do I need?
Petrol stations need a variety of insurance covers, often…
Running a small and medium sized business comes with everyday risks. It is important to ensure that…
Many businesses go under because of an unpredicted event. This is why your business should be insured…