We have access to more than 20 insurers

Freedom of choice to find the most suitable cover today.

Give us 10 minutes of your time, when it suits you, to talk to one of our brokers and get your best employer’s liability insurance quote.

Schedule a callback Request a quote

Employers Liability Insurance

We have access to more than 20 insurers

Freedom of choice to find the most suitable cover today.

Give us 10 minutes of your time, when it suits you, to talk to one of our brokers and get your best employer’s liability insurance quote.

Schedule a callback Request a quote

Employers Liability Insurance

Employment Practices Liability (EPL) protects your business from legal costs and compensation in the event an employee makes a claim for Unfair Dismissal, discrimination, bullying or constructive dismissal, to name but a few. Unlike a case where the employee was dismissed by the employer, where the onus of proof is on the employer to establish the dismissal was fair, in constructive dismissal claims the onus of proof is reversed. It is therefore required of the employee claiming they were constructively dismissed to establish that the conduct of their employer was such that they had no option but to resign their position. Consequently the employee must set out the matter fully in order to allow the employer to respond.

It also provides cover for legal costs if your business is responsible for damage to an employee’s property, subject to terms and conditions.

A legal requirement in Ireland

EPL Insurance is a legal requirement in Ireland for almost every business that has employees, as well as certain categories of subcontractors. Without it, your business could be fined substantially up to €2,500 per employee, per day. The only businesses that may be exempt from EPL Insurance are:

  • Sole traders that work on their own without employees
  • Businesses that only employ direct family members
  • Public bodies such as government and health services
  • Limited companies with one employee that also owns more than 50% of the company’s shares.

What is covered

If an employee takes a claim against your business, EPL Insurance typically covers the following:

  • Legal costs – the cost of settling or defending disputes and claims made by employees
  • Medical bills – covers the cost of medical treatment for sick or injured employees
  • Compensation – awarded by the court to an employee with a successful claim against your business
  • A co-payment percentage
  • All of the total award may apply depending on the policy type and agreed excess.

Request a Quote

Speed up your quotation by filling in our online employer’s liability insurance questionnaire. Then request a call back and we’ll have prepared everything you need to know to choose the right coverage for your needs.

Other types of business insurance we offer…

Directors’ and Officers’ Liability Insurance

Directors’ and Officers’ Liability Insurance provides protection for your company’s director and key officers whose roles come with specific responsibilities and powers. If they are found to have carried out a wrongful act during the course of their employment, legal proceedings can be taken against them.

Product Liability Insurance

Product liability insurance is designed to cover the cost of compensation awarded to anyone who has fallen ill, been injured or experienced property damage as a result of a product that is designed, manufactured and/or sold (or given free) by your business.


Key Person Insurance

All businesses rely on someone who is essential to the businesses’ operations and success. If the business was to lose that person through illness or death, the company may struggle to survive. Key Person Insurance protects your business in the event it loses a key member of the team with an injection of funds to help it survive in the short term while an alternative strategy is put in place.

Customer Support

Claims Contact

Need to make a claim?

Emergency Numbers

Need to access emergency contact numbers?

Meet the team

Benny Sheridan


Kelley Crowe

Insurance Broker

Siobhan McPhillips

Insurance Broker

Your benefits…

Employers liability insurance from Sheridan Insurances comes with a variety of benefits such as:

One flat rate premium that covers any incident and reduces your financial risk
Experienced and dedicated brokers who will research the market on your behalf
Access to a wide range of insurers and options, that also provides flexibility for all business sizes, small, medium and large
A policy that is uniquely customised to the specific needs of your business

Employer’s Liability Insurance FAQs

We want to make sure you know exactly what employer’s liability insurance from Sheridan Insurances protects you for.
Take a look at our FAQs or talk to one of our brokers,

What is covered under this policy?
  • Employment disputes and financial compensation
  • Legal expenses
  • Contract disputes
  • Debt recovery
  • Property protection and bodily injury
  • Contents, computers, infrastructure and fixtures and fittings
  • Money
  • Goods in Transit
  • Revenue audits (If you receive notification of a revenue audit please advise Sheridan Insurances immediately to have fees agreed with your insurer in advance of the audit beginning).
How much cover do I need?

Optionally you could base your level of indemnity on a multiplier of 5 times the largest salary. For example, if your highest salary is 50,000 multiply it by 5 which equate to cover of 250,000.

Does EPL cover staff working from home?

All EPL policies cover employees that work from home. However, you should always check your policy terms and conditions.

Does EPL cover the cost of WRC representation?
EPL can cover the costs of representation at the WRC (Workplace Relations Commission), which can be in excess of €15,000.
Those businesses that offer staff contracts and employee handbooks can also benefit from a lower excess on their EPL cover than those companies who do not have these in place.
What are recent examples of EPL insurance claims?
  • €35,000 plus costs was awarded after an employer failed to follow proper disciplinary procedures, sacking an employee after questioning them about disappearance of money.
  • €500,000 was awarded to four female clerical workers denied equal pay with their male colleagues over nine years.
  • €130,000 was awarded to an employee for unfair dismissal from a manufacturing company where his employer failed to implement “any fair disciplinary procedures”.
  • €52,000 was awarded to an employee for unfair dismissal after the employer broke a prior agreement to allow the employee work from home.
  • €85,000 was awarded to a nurse who was wrongfully told to retire at 66
  • €150,000 with costs of €120,000 was settled by a financial institution over a discrimination and sexual harassment claim.

How to talk to us…

We are here to help…

What our customers say...

sindija S.
sindija S.
Wonderful experience.Audrey very helpful and she provide excellent customer service.
Gerry H.
Gerry H.
I recently had the privilege of dealing with Stephen in Sheridan Insurances regarding a complicated car insurance issue, (Well complicated for me). Stephen took the time to assess the situation, then spent an hour sorting through the various issues. He got me great cover at a fair price & made the experience seem so simple. All was done in a professional & friendly manner. I commend Stephen highly & the face to face interaction certainly beats the online quagmire frequently presented by most insurance companies.
Dermot B.
Dermot B.
We have worked with the Team at Sheridan Insurances for the past number of years on our Groups employees Health Insurance Scheme.Noeleen & her colleagues have provided a brilliant service giving clear and concise advice on a timely basis both to the company and on any employee queries that have arisen.
Mary S.
Mary S.
Stephen helped me out with my first car insurance policy. He was great, made the process very easy, got me a good deal and was super friendly!
Fabulous service from Siobhan and the team in Sheridan Insurances. I am a client for a number of years and the services is always the same - perfect. A customer focused team.
Jean A.
Jean A.
Excellent support, guidance and advice from the QFA, Audrey Jameson
Helen C.
Helen C.
Thank you, Miriam, at Sheridan Insurance.  Being able to discuss my home insurance needs as an Holistic Therapist was so stress free and easy with you. Your attention to detail and professional way made the whole process so smooth.  Thank you for the human touch also, in taking the time to walk me through my policy.   Highly recommending your services and supporting your local business in Navan. Co Meath. Thank you, Miriam Sheridan and Sheridan Insurance. Helen Colgan
Richard L.
Richard L.
Lifesavers – With 110% professionalism at all times, we were provided with much needed support and guidance under difficult circumstances, with a very tight deadline. Without the team in Sheridan Insurance’s diligence and effort, going the extra mile on more than one occasion, we can honestly say we wouldn’t have the secure future we can now look forward to. We would recommend Sheridan Insuances to anyone looking for any type of insurance. Hands down the best decision you'll make! Thank you Audrey, Brian and Niall. Richard & Maria Leonard
Fergal S.
Fergal S.
An absolute pleasure to deal with, there is great communicators in Sheridan insurance, Brian Flanagan is an absolute gentleman. Will definitely be in contact with Sheridan insurance in the near future.
Pauline B.
Pauline B.
Highly recommend this insurance company they have gone above and beyond to help me get my business insurance and at a great price.The staff couldn't have been any more helpful to me.Give them a call you wont be disappointed
Andrew S.
Andrew S.
I used Sheridan Insurances in Cavan today and the service was absolutely first class. They were helpful, knowledgeable, professional and polite. I can highly recommend Sheridan Insurances.
Mary R.
Mary R.
Well mannered and attended toWith ease and business done ..quickly
Eugene T.
Eugene T.
Great gang in sheridans insurance very easy to deal with.. especially Tommy Brady top man when you need one..
Pip A.
Pip A.
My name is Philip Sheridan Sides.I was buying a van on done deal when I saw the advert for Sheridan insurance. The playright Richard Brinsley Sheridan was one of my ancestors and that is where the Sheridan in my full name as we had the same name. \I rang the office for a quote and was put through to broker Kelly Crowe. My first premium was high as I had been with Dolman Insurance who specialise in Camper vans and my no claims on the camper van was not able to transfer. This is something I believe the insurance industry should change as it is unfair on camper van drivers who like myself at the tie use the vehicle as their only method of transport.This was seven years ago. I am a very busy free lance photographer, musician and I run an NGO called Whistles for Refugees.The NGO collects unwanted tents and sleeping bags at festivals, thus saving them from landfill thus turning this landfill into aid for the most vulnerable people on this planet fleeing the horrors of ISIS. Whistles for Refugees also brings whistles out to refugee camps, music is healing and the Irish tin whistle gives the opportunity for the refugees to learn and play Irish music with an instrument that is light portable, inexpensive to buy and relatively easy to learn.Sheridan Insurance are currently researching for an underwriter to provide public liability insurance for our NGO so that our volunteers are covered should they get pricked by a needle while cleaning out tents at festivals or any other risk involved in our work.Broker Kelly Crowe has been amazing at her job. From the very beginning Kelly was able to organise a quote, with my line of work and my bad luck with vehicles I am often having to rent replacement cars to make sure I get to my commissions safely and punctually. I am never 5 mins from getting my insurance transferred to keep my rental costs lower. I needed a copy of my no claims bonus to get insured on my partners camper van and this was emailed to me within 5 mins of my request, even though this was with a different firm!I also run a tour business bringing clients on adventures with sea kayaking and photography. Once again my broker was able to produce a policy that was affordable and organised with minimal fuss in minimal time.For quality, price and especially (what I believe is the most important in business) service, Sheridan insurance is second to none.I could not recommend Sheridan Insurance and my broker Kelly Crowe enough.
We all hate shopping for insurance but the brokers at Sheridans do all the legwork for you and find the best deal and the cover you actually need - plus they are easy to deal with. You get assigned a broker and you can actually speak to a real human being. Great idea.
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