Risk Managed Employers’ Liability

  • Liability Insurance,
  • Health and Safety

Suits: Multinational and UK corporate businesses

We provide your customers with the peace of mind that they have fully compliant policies to ensure they fulfill their compulsory requirement and support them in their need for a bespoke solution using our technical expertise. We are able to offer your customer bespoke liability insurance solutions including non-conventional arrangements such as deductible, captive and retro rated programmes. We will work together with you and your customer, to ensure that we have a firm understanding of your customer's needs which will allow us to cater for them accordingly.

Our Employers' Liability cover can be tailored to fit the needs of your customer's business. We want to ensure that your customer has options aligned to their business needs which is why we are able to offer non-conventional programmes and flex our policy design as their needs change, meaning that the insurance cover is the best fit.

RSA Risk Management services

Our risk engineers’ and account consultants’ long experience in every sector, all over the world, have enabled a deep understanding of the specific risks faced by businesses on any scale, whatever their industry. They work closely with customers and brokers to identify and assess risks, and develop customised and comprehensive improvement programmes that achieve the optimum balance between mitigation and transfer, delivering effective protection at the lowest possible cost.

Our risk management services include:

  • Full surveys and audits of your client's corporate standard
  • Liability management programmes
  • Project reviews
  • Post loss risk evaluations
  • Benchmarking against industry peers


Sweet spots

Examples of where we have a particularly strong appetite, are actively targeting, and have been found to be at our most competitive.

  • Retail
  • Food and Drink
  • Professional Risks
  • Utilities
  • Manufacturing
  • Rail
  • Logistics
  • Chemical
  • Facilities Management
  • Renewables

Positive risk features

Factors we will take into account to make our sweet spots even more competitive.

  • Good Risk Management
  • Established Safety Culture
  • Dedicated Health and Safety Manager with High Visibility


Sue Loney
Casualty Underwriting Director
0207 337 5875

Claims Handling

At RSA, we are committed to doing whatever it takes to keep our customers moving when the worst happens. From minor incidents to large and complex claims, our focus is always on acting fast, minimising costs and using all of our experience and expertise to settle fair claims promptly. We work with our customers in trying to assist them in reducing costs by looking at ways of speeding up the notification, investigation and decision making process. This includes making improvements to their internal processes to ensure that accident reports, earning details and other relevant documents can be made available on a timely basis.
RSA Care

RSA Care provides a unique blend of services – spanning case management, rehabilitation and legal advice – that enables us to act swiftly in bodily injury claims and get all parties back on their feet as soon as possible. We identify injury incidents early and intervene promptly, using our experience to predict the likelihood of a claim arising in each case. This proactive approach enables us to ensure that the injured party’s needs are met whilst driving down the cost of claims.

  • RSA Care has helped to reduce average settlement times by 30%
  • Bodily injury claims settlement costs have been reduced by an average of 15%
  • From those claimants who deal direct with us, up to 40% do not engage a solicitor

Management Information (MI)

Provision of claims data is tailored to each client's individual needs, both in terms of frequency and content. Our advanced MI reporting enables us to provide an overall client loss experience and trending to help our clients to identify key risk areas and manage that risk across a range of insurance classes. 

Complex Claims Handling

Our Complex Claims Handling team is dedicated to managing the largest and most complex cases in our business, typically exceeding £500,000 in value. This team is made up of our most experienced Claims Specialists and provides comprehensive support to all parties in major claims including brain injuries, paralysis, amputation, multiple injuries and complex medical negligence cases. For each claim, a dedicated specialist focuses on identifying the key issues, steering the strategy of the claim and managing it through to a successful conclusion.

  • Specialist knowledge of serious injuries helps to reduce settlement times
  • Established relationships with leading specialists in the legal, medical and rehabilitation professions

Crisis Management Service

We've listened to our brokers and customers and updated our product to provide your customers with our Crisis Management service in partnership with DWF. It brings together all the expertise and experience needed to help your customers prepare and manage any business crisis occuring in the UK, such as serious injury or fatal accident on their premises, or a product causing serious injury. Our service is able to give your customers a peace of mind around the clock, increased control to limit the adverse impact of a crisis, added value for their businesses and time savings for management by leaving it to the experts.

Loss Adjusters

We pride ourselves in our flexible approach and are happy to discuss any existing arrangements you may have with loss adjusters. However we are also able to provide loss adjusting services in the UK through our in-house adjusting team, LAS Liability.  Our team is made up of highly experienced liability claims specialists who undertake field investigations across the UK. We frequently benchmark our Liability loss adjusting team against external providers to ensure that we consistently lead the market in terms of speed, value and technical expertise. With real-time access to claims handlers, underwriters and the latest technology, we bring an in-depth knowledge of a wide range of claims, with particular expertise in employers’ liability, public liability, product liability, motor pollution, personal accident & industrial disease, stress and abuse.

  • Complex Claims Unit for claims that require specialist knowledge
  • Regionally allocated teams offer local knowledge and contacts
In order to contact RSA Care in Chelmsford please email: