Employers Liability Cover – As an employer you are legally required to have Employers Liability cover. This covers you for claims bought against by an employee as a result of bodily injury or disease caused in the course of their employment. Your insurer will indemnity you for your legal liability to pay compensation and/or costs and expenses.
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Personal Accident Cover – This is like a benefit policy, which can be added to some policies or taken out as a standalone policy but is not a legally required cover like Employers Liability. Personal Accident cover can be taken out for all employees or certain key members and cover can be provide on a 24 hour basis or Occupation basis meaning whilst they are at work only .  Cover is provided for certain accidental bodily injuries detailed in the policy at a specified limit.