Employers’ liability insurance

Employers’ liability insurance

Employers’ liability insurance is available as an optional extra when you buy our public liability insurance. It protects your business against the cost of injury and illness claims from your employees.

If you have one to nine people in your business you can buy online. If you have more than nine people you can buy Employers’ liability insurance through a broker.

This product is available as an add-on when you buy public liability insurance from us.

About public liability insurance

Why choose our employers’ liability insurance?

  • £10 million protection as standard – that’s twice the legal minimum.
  • Covers legal costs and compensation for illness and injury claims made by employees.
  • Legal costs and expenses for defending health and safety law prosecutions are covered too.
  • Also covers claims made by workers employed through government schemes and those on work experience.
  • £500 compensation per day if you need to attend court (£250 for your employees).

Why do I need employers’ liability insurance?

As an employer, you’re responsible for the health and safety of your employees during work time. Our employers’ liability insurance protects your business against the cost of compensating an employee (plus any associated legal fees) if they’re injured or become ill as a result of their work.

In most cases, if you have people working for you, you’re required by law to have employers’ liability insurance.

Without cover in place, you could face a £2,500 fine for every day you’re not properly insured. Some businesses, such as family businesses employing only family members, don’t need to have employers’ liability insurance.

How much cover do I need?

The compulsory level of insurance cover you need by law is £5 million. Our policy provides £10 million as standard, because damages can be substantial.

What does it cost?

When you get a quote, we’ll ask some questions about your workforce and offer you a price based on the information you’ve given us. Please note that we only offer employers’ liability insurance as an optional add-on to our public liability insurance.

Have you considered tools, stock and equipment cover?

Cover against loss, damage and theft for the essential items you need to run your business. Available as an optional add-on to our public liability insurance.

Find out more about tools, stock and equipment cover

Get a quote for employers’ liability insurance

You can only buy employers’ liability insurance as an add-on to our public liability insurance. About Public Liability Insurance.