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Protect your business with Employers’ Liability Insurance

Employers’ Liability Insurance is a legal requirement for nearly all businesses employing at least one person.

What will an Employers’ Liability Insurance policy protect you from? Well, if your employee is injured or becomes ill as a result of the work they do for you, they may try to claim compensation. Having Employers’ Liability Insurance will help you cover the cost of compensation, plus any legal fees that you are liable to pay.

There are different circumstances that can result in a claim, where Employers’ Liability Insurance can be valuable to have, such as:

  • An employee being struck by a falling object on a building site
  • A cleaner who is harmed by a hazardous substance
  • An employee who slips as a result of a wet floor in your business office space

We have experience in arranging Employers’ Liability Insurance for different trades and business sizes. So, whether you have a small business with one or two employees, or a larger business continuing to grow, speak to us today.

If your business currently holds Employers’ Liability Insurance, or you’re considering this insurance for the first time, you may have also come across Public Liability Insurance, which can be valuable should the general public come into contact with your business. A Public Liability Insurance policy provides cover against claims made by a member of the public who has sustained injuries or damage because of your business. We can arrange Employers’ Liability Insurance alongside your Public Liability Insurance cover, so both fall under one policy and everything is in one place, with just one renewal date.

We know about the different insurance needs your business may have, so we can help you find the right Employers’ Liability Insurance policy to suit your needs. Whether you’re a shop owner or have a larger business, here’s how we can help you:


How we can help

  • Our Employers' Liability Insurance covers you for £10 million as standard, and extensions may be available
  • Public Liability Insurance also available, if you come into contact with members of the public as part of the daily running of your business
  • Optional separate cover available for business equipment and tools can be arranged

Why choose us for Employers’ Liability Insurance?

  • Cover is available for a wide range of small to medium-sized businesses
  • We’ll do all the hard work for you and provide you with a policy to suit your needs

Is Employers’ Liability Insurance a legal requirement?

Yes, Employers’ Liability Insurance is a legal requirement for all businesses with at least one employee, unless it’s a member of your own family, or someone who is based abroad. It’s also a requirement if you employ short-term or casual staff, as well as contractors. There may also be occasions where ex-employees believe they became ill while they worked for you, and could decide to claim.

According to, your policy needs to cover you for at least £5 million, and be purchased from an authorised insurer – you can check this via the Financial Conduct Authority register. Beware that if you  don’t  have a valid Employers’ Liability Insurance policy, you could be fined £2,500 for each day you’re not properly insured. 

Plus, remember to keep your policy certificate prominently displayed, or easily accessible, should inspectors ask to see it. If you are unable to do this, you could be fined £1,000.

How could Employers’ Liability Insurance benefit your business?

Regardless of the type of business you have, injuries and illnesses in the workplace can happen when you least expect them, therefore it’s imperative that you have Employers’ Liability Insurance, so you don’t end up out of pocket.

According to the Health and Safety Executive, research by the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations has shown that there were over 70,000 non-fatal workplace injuries reported in Great Britain in 2016/17.

What was the most common type of workplace accident? Perhaps unsurprisingly, this was a slip, trip or fall on the same level, followed by lifting and handling injuries.

How much do compensation claims cost insurers? A report by the Association of British Insurers (PDF 0.8MB) revealed that a massive £2.3 million was paid out every day in 2016 for employers’ liability, demonstrating the value this product can have for your business.