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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?
Yes. Employers’ liability insurance is legally required in the UK if a
storage facility employs staff, including part-time or temporary
workers.
+-What injuries are commonly claimed in storage facilities?
Common claims include manual handling injuries, forklift accidents,
slips and trips, and injuries involving machinery or racking.
+-Are agency and temporary staff covered?
Yes. Employers’ liability insurance typically covers agency, temporary
and contract workers under your control.
+-What level of cover is required?
UK law requires a minimum of £5 million employers’ liability cover,
although many storage facilities choose higher limits.
+-Can employers’ liability be included in a package policy?
Yes. Employers’ liability insurance is commonly included as part of a
combined storage facility insurance policy.
Related Covers
Employers’ liability should be reviewed alongside public liability, equipment risk, warehouse operations and compliance pages.