Construction Employers’ Liability Insurance

Construction is a dangerous activity. If not carefully managed, the risks can result in death or serious injury. Employers’ Liability (EL) insurance protects the insured company for claims made against it by employees following injury, disease, or death arising from their employment.

There is no direct benefit to the employee from EL insurance, as it protects the employing company.  The employee must demonstrate that the employer was either negligent or in breach of a statutory duty and that this gave rise to the accident.  The mandatory status of the insurance does mean that companies must affect these policies, providing claimants with some protection in the event of employer insolvency.


Employers liability

Some of the largest construction companies participate in an the annual benchmarking exercise. JLT’s team of specialists analyze the financial aspect of this construction risk: the cost of personal injury claims on their employers’ liability (EL) insurance.

Employers liability

Benchmarking allows businesses to see how this risk changes over time. Each participant’s details are made available to them confidentially. In completing this assessment, we help individual companies understand their risk performance, which is a key element to improving their risk management.

Key Stats

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  • We provide employers’ liability (EL) insurance broking, risk management, and claims consulting services to large and international companies.
  • Our success comes from focusing on sectors where we know we can make the greatest difference, using insight, intelligence, and imagination to provide expert advice and robust, fit-for-purpose solutions.
  • We build partner teams to work side-by-side with our clients, our network, and the market to deliver responses that are carefully considered from all angles.
  • A primary point of contact ensures our clients are supported by a team with the breadth and depth of experience to meet their risk and insurance needs.

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