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EMPLOYERS’ LIABILITY INSURANCE FOR STORAGE FACILITIES (UK)
Employers’ liability insurance is a legal requirement in the UK for storage facilities that employ staff. It protects your business if an employee suffers injury or illness as a result of their work, including accidents involving manual handling, machinery, forklifts or hazardous materials.
What Does Employers’ Liability Insurance Cover?
- Injury or illness suffered by employees
- Manual handling and lifting injuries
- Forklift, machinery and equipment accidents
- Legal defence costs and compensation
- Temporary, part-time and contract staff
- Claims arising years after employment
Who Needs Employers’ Liability Insurance?
- Storage & warehousing facilities
- Cold storage & refrigerated warehouses
- Hazardous or chemical storage sites
- Logistics centres and distribution centres
- Third-party storage providers employing staff
Is Employers’ Liability Insurance Mandatory?
Yes. UK law requires employers’ liability insurance for businesses with employees, with minimum cover of £5 million. Failure to hold valid cover can result in fines of up to £2,500 per day.
Why Choose Insure24?
- Specialists in storage & facility insurance
- Cover aligned with UK legal requirements
- Competitive premiums from leading insurers
- UK-based, FCA-compliant expert advice
FREQUENTLY ASKED QUESTIONS
+-Is employers’ liability insurance compulsory for storage facilities?
+-What injuries are commonly claimed in storage facilities?
+-Are agency and temporary staff covered?
+-What level of cover is required?
+-Can employers’ liability be included in a package policy?
Related Covers
Employers’ liability should be reviewed alongside public liability, equipment risk, warehouse operations and compliance pages.
Staff & Legal Cover
Operational Risk
Core Storage Cover
Storage facility insurance review points
Storage facility insurance works best when the policy reflects how the premises is used, what is stored, who controls access, and how quickly trading would recover after damage, theft or equipment failure.
For employers liability enquiries, the strongest quote presentation usually combines the immediate cover request with wider risk information, contract obligations and evidence of controls.
Risk details insurers check
- Storage activity, tenant access, stock ownership and goods held in trust
- Buildings, racking, handling equipment, refrigeration or specialist storage systems
- Security, fire protection, flood exposure, housekeeping and incident history
Cover areas to compare
- Buildings, contents, stock, customer goods and business interruption
- Public liability, employers' liability and goods in transit where relevant
- Equipment breakdown, theft, deterioration of stock and temporary closure extensions
Quote preparation
- Prepare rebuild values, stock limits, equipment schedules and peak storage values
- Separate customer-owned goods, own stock, vehicles and third-party contractor exposure
- Share alarm, CCTV, fire-risk, maintenance and claims evidence before renewal