Employers' liability insurance

Work accidents happen, be ready

No matter how well we manage workplace risks, accidents and illnesses can happen in any workplace. Employers' Liability Insurance provides coverage for compensation claims made by employees who are injured or who become ill due to their work. It also covers legal costs associated with defending claims.

No matter how well we manage workplace risks, accidents and illnesses can happen in any workplace. Employers' Liability Insurance provides coverage for compensation claims made by employees who are injured or who become ill due to their work. It also covers legal costs associated with defending claims.

Ensuring their safety is essential whether your employees are office-based, on-site, or working remotely. At Masbro, we’ve provided Employers' Liability Insurance since 1985, helping Gibraltar’s businesses stay compliant and protected.

Our tailored Employers' Liability Insurance solutions protect your business from claims arising from workplace injuries or illnesses, ensuring you meet legal obligations while safeguarding your workforce.

Why Employers' Liability Insurance is Important

Employers' Liability Insurance ensures that if one of your employees is injured or becomes ill due to their job, your business is financially protected against compensation claims and legal costs. This coverage is more than a legal requirement—it’s vital to maintaining a safe and secure working environment.

Our Employers' Liability Insurance covers:
  • Compensation claims for work-related injuries or illnesses
  • Legal costs associated with defending claims
  • Full-time, part-time, and temporary employees
  • Tailored Coverage for Your Business

What we offer

Every business faces unique risks, and at Masbro, we offer Employers' Liability Insurance that can be customised to suit your needs. Whether you run a small team in an office or oversee a larger workforce in a more high-risk environment, we’ll ensure you’re fully covered.

Workplace Injuries
Covers claims for accidents that occur in the workplace, from slips and trips to more severe incidents.
Occupational Illnesses
Provides coverage if an employee develops a long-term illness due to their work environment.
Legal Defence
Covers legal costs and compensation claims, protecting your business from the financial strain of litigation.

Why Choose Masbro?

Trusted Advisors

With four decades of experience, we’re Gibraltar’s trusted insurance broker, providing expert advice to ensure your business is adequately covered.

Custom Solutions

We understand that no two businesses are alike, so we offer tailored Employers' Liability policies to fit your company's and workforce's specific needs.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Trusted Advisors

With four decades of experience, we’re Gibraltar’s trusted insurance broker, providing expert advice to ensure your business is adequately covered.

Custom Solutions

We understand that no two businesses are alike, so we offer tailored Employers' Liability policies to fit your company's and workforce's specific needs.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Commonly Solved Questions

What is Employers' Liability Insurance?

Employers' Liability Insurance provides coverage for compensation claims made by employees who are injured or become ill as a result of their work. It also covers legal costs associated with defending claims.

Is Employers' Liability Insurance mandatory?

Yes, in most cases, Employers' Liability Insurance is a legal requirement if you employ staff. It ensures your business complies with local regulations and protects you from potential claims made by employees.

What does Employers' Liability Insurance cover?

This insurance covers claims made by employees for work-related injuries or illnesses. It includes compensation costs and legal expenses, protecting your business from financial losses.

Can business insurance be customised to suit my specific needs?

Yes, at Masbro, we offer customised business insurance packages that can be tailored to your company’s unique risks. Whether you need additional coverage for specific liabilities, property, or business interruption, we will work with you to create a policy that fits your requirements.

Who is covered under Employers' Liability Insurance?

Employers' Liability Insurance covers all employees, including full-time, part-time, temporary, and casual workers. It ensures that anyone under your employment is protected, regardless of their role.

Does Employers' Liability Insurance cover remote workers?

Yes, if your employees work remotely, they are still covered under Employers' Liability Insurance, provided their injury or illness is related to their work.

How much Employers' Liability coverage do I need?

The amount of coverage required depends on your business size and industry. Most businesses in Gibraltar are required to have a minimum level of coverage. We can help you determine the right amount for your needs.

What is the process for making a claim under Employers' Liability Insurance?

If an employee makes a claim, contact us immediately. Our team will guide you through the claims process, ensuring everything is handled efficiently and effectively.

Can Employers' Liability Insurance be combined with other policies?

Yes, many businesses choose to combine Employers' Liability Insurance with other policies, such as public liability or professional indemnity insurance, for more comprehensive coverage.

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