Employers’ Liability
Employers’ Liability Underwriting for UK Brokers
Experienced underwriting for commercial employers
Limits of Indemnity of up to £25 million may be available for suitable risks, subject to underwriting and the applicable policy Schedule.
What the policy covers
Where Employers’ Liability is selected, the policy provides indemnity against the insured’s legal liability for damages and claimant’s costs and expenses arising from injury sustained by a person employed:
- During the Period of Insurance
- Within the applicable Territorial Limits
- Arising out of and in the course of employment by the insured in the business
The policy also provides for defined Legal Costs incurred with the written consent of the insurer in connection with an event that is or may be the subject of indemnity.
The exact Limit of Liability is stated in the individual policy Schedule.
Our Risk Appetite
Supporting a broad range of trades
This list is not exhaustive. Other trades and activities may be considered following a full underwriting review. Gem’s combined Employers’, Public and Products Liability appetite includes businesses operating in areas such as:
- Arboriculture
- Asbestos work, including licensed work
- Building Contractors
- Chemical and petrochemical operations
- Civil engineering
- Cleaning
- Cladding
- Demolition
- Electrical contracting
- Engineering
- Food and catering
- Haulage and transportation
- Hotels and leisure
- Manufacturing
- Piling
- Plant hire
- Railway work, including live-line working
- Renewable energy
- Roofing
- Scaffolding
- Security
- Skip hire
- Steel erection
- Steeplejacks
- Thermal insulation
Risk features we can consider
Significant height and depth exposures
Hazardous locations
Temporary EU work
Higher Limits of Indemnity
Supporting better health and safety outcomes
The service is designed to assess relevant documentation, discuss activities and sector-specific challenges and provide practical recommendations.
Where the service is retained, premium savings of up to 10% may be available, subject to underwriting agreement.
Important cover information
The standard Employers’ Liability wording contains terms, conditions, limitations and exclusions. These include exclusions relating to:
- Liability requiring compulsory motor insurance under road traffic legislation
- Injury sustained by a person employed while working offshore
- Certain medical and repatriation costs incurred outside Great Britain, Northern Ireland, the Channel Islands or the Isle of Man
Other policy exclusions, conditions and endorsements may also apply. The policy wording, Schedule and all endorsements must be read together to determine the precise cover applying to an individual insured.
The Gem Difference
Direct access to experienced underwriters
Every risk has its own activities, workforce structure, contractual responsibilities and controls. Our underwriters look beyond the basic trade description to understand the business behind the submission.
Brokers benefit from:
- Direct access to liability underwriters
- More than 60 years of combined liability experience
- Clear and efficient communication
- Commercial underwriting decisions
- Prompt policy-document production
- A willingness to consider suitable specialist risks
Have an Employers’ Liability risk to discuss?
Send us the business description, required cover, relevant exposure information and supporting risk details. Our underwriting team will review the submission against our current appetite.
Address
Fourth Floor, 37-39 Lime Street
London, EC3M 7AY
United Kingdom
Product Information
This page provides a general summary only and does not form part of the contract of insurance. All risks are subject to underwriting review and acceptance. Exact cover, limits and restrictions are determined by the policy wording, Schedule and endorsements. Employers’ Liability insurance is underwritten by Gem Underwriting Agency Ltd on behalf of Irwell Insurance Company Limited.
At Gem Underwriting Agency Ltd, we're not just another insurance provider; we will become your trusted partner in navigating the complex world of insurance. Discover the Gem difference today.
Fourth Floor, 37-39 Lime Street, London, EC3M 7AY, United Kingdom
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Gem Underwriting Agency Ltd is an Appointed Representative of Bannerman Rendell Limited who are authorised and regulated by the Financial Conduct Authority to conduct insurance distribution activities. Our registered number is 986425. You can check this by visiting www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
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