How Employer Liability Insurance Protects You and Your Employees

What Is It?

Employers Liability Insurance is insurance for small businesses which covers the owner in case any employee is injured or falls sick while at work. Employers liability insurance is required for an overwhelming majority of businesses. Usually this type of insurance covers claims arising from accidents occurring due to negligence of the owner.

To be a little more specific, employer liability insurance is effective in three distinct cases. Firt, it covers your employees if they become sick. Second, they cover the employee if they suffer an injury at work or working for the business. Lastly, it covers the death of the employee. The only circumstance where you do not have to secure employer liability insurance is if you are the only employee or if you do not hire anyone outside of your immediate family.

External Resources:
Employer Liability Insurance Guide
Liability Insurance Resources