Employer’s Liability Insurance

Coverage: Required by law if the contractor employs workers. This insurance covers claims from employees who are injured or fall ill due to their work. It includes medical costs, compensation, and legal fees.

Typical Suppliers: Any contractor with employees, including construction firms, maintenance companies, and service providers.

Key Items to Look For: Ensure the policy meets the minimum legal requirement, usually at least £5 million.

Importance: Protects both the contractor and the building manager from claims made by workers, ensuring compliance with legal requirements.