Professional Indemnity, Public Liability & Medical Malpractice
All the essential protection you need...
Personal Accident
In the event you have an accident that causes a long term or permanent disability or death, that prevents you continuing your business.
Cyber Liability
Protection in case of a hack, misuse or breach of data, virus transmission, IP infringement and defamation.
Portable Equipment
Ideal for mobile workers, or when you have mobile equipment in transit or temporary storage.
Employer's Liability
Usually a legal requirement if you have employees, apprentices, or work experience students.
Workplace Contents
For your salon, office or home, this covers computers, furniture, equipment, goods and more..
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Aesthetics, Hair & Beauty
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Claims
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Complaints
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Qualification Requirements
Knowledge, experience and qualifications are all vital, but understand why we don't ask you to send proof when insuring you.
Guide for Aesthetics, Hair & Beauty Businesses
A rewarding industry — but new treatments and services bring new risks. Here's what aesthetics, hair and beauty businesses need to know.
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Employer's Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.
Note: No overseas cover
In accordance with the Employer's Liability (Compulsory Insurance) Act 1969, Section 2, if you have 'employees' then it is a legal requirement to have a minimum of £5 million of employer's liability insurance. Failure to have this insurance in place can result in a fine of £2,500 for every day you are not insured.
It is very important to understand the definition of 'employee' in relation to this insurance. It is not only people with whom you have a written employment contract.
Extract from http://www.legislation.gov.uk
For the purposes of this Act the term “employee” means an individual who has entered into or works under a contract of service or apprenticeship with an employer whether by way of manual labour, clerical work or otherwise, whether such contract is expressed or implied, oral or in writing.
So, any of the following would be considered employees:
You do not need Employer's Liability insurance if:
The Employer's Liability insurance provides £5 million cover which we has been selected as the most appropriate to meet the needs of our customers.
The cost per employee is: £65 + tax
Getting a quote, or multiple quotes, and buying insurance from Westminster couldn’t be quicker or easier. You can have your policy up and running in minutes. All online, you can do it whenever suits you best and be in control of the whole process, but if you have any questions, we are very happy to hear from you.
Remember, this cover is only available as an additional option on our Professional Indemnity, Public Liability and Medical Malpractice policies.
Please note that you cannot make changes to the policy during the renewal period which starts 6 weeks prior to expiry. If you need to make a change during this time please contact us on 01305 839939.
Having the correct level of experience or qualifications necessary to offer a service is...
An employee slips on a wet floor in the warehouse and injures their back, leading to a claim for medical expenses and compensation.
An office worker develops carpal tunnel syndrome from repetitive tasks and files a claim for medical costs and lost wages.
An employee develops a respiratory illness due to prolonged exposure to hazardous materials in the workplace and seeks compensation.
An employee claims for work-related stress and anxiety, alleging that insufficient support and excessive workload caused their condition.
An employee injures their back while lifting heavy boxes without proper training, resulting in a claim for medical treatment and rehabilitation costs.
The beauty of our insurance is that you can choose exactly what you need and have as little or as much cover as your individual requirements dictate.
Designed to tackle the problems associated with your computer systems, websites and emails.
Protection for your office essentials, from computers and furniture to documents and signage.
Employee Liability insurance is a legal requirement if you have employees.
Cover should you suffer a serious accident which leaves you unable to work or leads to your death.
Includes mobiles, laptops, cameras and video equipment, tablets, exhibition equipment, tools and more.
Safeguard against claims for accidental injuries, illnesses, or property damage, keeping your business secure.
Tailor your insurance to fit your unique needs, whether you're flying solo or part of a larger team.
Offer peace of mind to yourself, your team, and your clients, knowing that you're prepared for whatever comes your way.
Giving comfort and removing the hassle and stress.
No salesmen, no gimmicks! We just make insurance easy.
Get your quote and insurance document - within minutes.
Occupational illnesses can take years to surface. Because your cover is provided on a claims-made basis, what matters is having a valid policy in force at the time the claim is made — with a retroactive date early enough to cover the original period of employment. That's why keeping continuous cover is so important: if you let the policy lapse, a claim brought by a former employee later on may not be covered unless run-off cover is in place.
Yes. With Westminster, Employer's Liability is an optional add-on that sits on your Professional Indemnity, Public Liability and Medical Malpractice policy — so your employers' and public liability cover live together on a single policy, which is simpler to manage and to claim against. Combining cover this way is also often more cost-effective. Get a quote from Westminster to see what works for your business.
In certain circumstances, yes. If you're a sole trader working on your own with no staff (and no volunteers or interns), or a business whose only employees are close family members, you're not required to hold it. For everyone else with employees, interns and volunteers employers' liability insurance in the UK is a legal requirement, with a minimum of £5 million of cover.
The law no longer sets a fixed retention period (the old 40-year rule was removed in 2008), but it's strongly recommended that you keep your employers' liability certificates and related records for as long as possible — 40 years remains a sensible benchmark. That's because occupational disease claims can surface decades after the relevant employment, and good records let you evidence the cover you held at the time.
Employers Liability insurance provides compensation to employees in the event that they have a valid claim of bodily injury, sickness, disability or disease caused by the work they carried out as part of their employment with you. It will also cover the legal costs involved in the claim.
As a sole trader working solely on your own then you do not need Employers Liability Insurance.
However, if you have employees or anyone who would be regarded as an ‘employee’ for the purposes of this insurance then you would be subject to the same regulations.
The Employer Liability insurance provides £5 million cover which we has been selected as the most appropriate to meet the needs of our customers.
Getting add on cover such as, Employer's Liability is quick and easy, whether you're getting a new policy or adding cover to an existing one.
1. On a New Policy?
- Get an instant quote by clicking ‘Get a Quote’.
- Answer a few quick questions—it only takes a few minutes.
- Include the Employer's Liability Cover
- Save your quote for later or proceed to purchase.
- Pay securely by credit or debit card and receive your policy documents immediately via email.
2. Adding to an Existing Policy?
- Log in to your account and go to 'Your Policy' section.
- Next to Employers Liability, click add.
- See the cost before confirming.
- Choose your cover level, pay, and receive your updated policy documents instantly.
Yes, in most cases. If an employee is injured while carrying out work-related tasks from home, the injury is still considered work-related, and your policy should respond as it would for an officebased claim — provided they're working within the policy's territorial limits. Westminster's Employer's Liability cover is UK-based and doesn't include overseas working.
We offer Employers Liability insurance for up to 20 employees.
Employer's Liability cover is an add on coverage. Once you have added an additional area of cover, such as Employers Liability to your policy, it cannot be cancelled during the term of the policy. However, when your policy becomes due for renewal you can remove it from the coverage that you require for the following year's policy.
Welcome to a different kind of insurance experience for small to medium-sized businesses - from salon owners and business consultants to tattoo artists and yoga instructors.
