Employers Liability Insurance

Employers Liability insurance protects you against claims that are a result of an employee suffering bodily injury arising out of their employment, where the Accident Compensation Commission (ACC) does not provide cover (such as gradual impairment injuries).

Public Liability insurance covers you if a third-party claim that your negligent business activities caused them injury or property damage or personal injury (not covered by the ACC). This includes defence costs cover.

It is always wise to check with your industry body or government as to what legislations may be mandatory in your field of business.

Every business is different with its own risks, factors and features. The most accurate may to find out how much an Employers Liability insurance policy will cost your business is by getting a quote. 

A quote will be able to take your business’ individual factors into consideration and provide an estimate cost of the policy. Get a quote for your Employers Liability insurance policy with BizCover today. 

As a small business owner, you have a responsibility to ensure your workplace is safe for your employees. There are a few simple things that you can do to help make sure that you are protecting your employers in their working environment.

• Conduct regular assessments of your workplace, including things like machinery
• Make sure your employees receive regular training across a variety of key topics like occupational health and safety
• If relevant, for those in physical roles that involve lifting and moving items, make sure that they are doing so correctly and safely to avoid any injuries from occurring
• Keep track of your employees and their workplace wellbeing with things like identifying their current work process, desk set-ups etc
• If an injury does occur, help get your employee back on track faster by providing return-to-work assessments and ways to ease them back into the role, limiting the risk of further injury occurring.