Employers’ liability insurance

Employers’ liability insurance

Get covered – not caught out. If you employ people in your business, you’re legally required to have employers’ liability insurance, available as extra cover when you buy our public liability insurance. It protects your business if an employee makes a claim for injury or illness as a result of their work for you.

Do I need employers’ liability insurance?

It’s your responsibility as an employer to protect the health and safety of your employees during working hours. You’re legally required to have employers’ liability cover in place if you employ one or more people.

Some companies don’t need employers’ liability insurance, such as businesses that only employ close family members. In these instances, while it isn’t a legal obligation to have employers’ liability insurance, lots of businesses still choose it for the financial security it provides.

Why choose Aviva?

Complete cover

Compensation, legal costs and expenses for defending health and safety prosecutions – no stone is left unturned, so you’re prepared whatever happens.

£10 million protection

Employers’ liability insurance from Aviva gives you £10 million cover as standard – that’s twice the legal minimum.

Simple claims

Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.

What’s included

  • Legal costs and compensation for illness and injury claims, and defending health and safety law prosecutions
  • Cover against claims made by all members of staff, including workers employed through government schemes
  • Cover against claims by staff on work experience
  • £500 compensation per day if you need to attend court (or £250 per day for employees)

Apply now

If you employ between one and nine people, you can buy employers’ liability insurance online.

If your business employs more than nine people, you can buy through a broker.

Other business cover

Choose a core cover, Buildings and Contents or Public liability, then explore our range of options for boosting your cover.

Got a question?

We answer some of the most frequently asked questions about employers’ liability insurance.

How much cover do I need?

The compulsory level of employers’ liability cover you need by law is £5 million. But because damages can be substantial, our policy provides £10 million as standard.

How much does employers’ liability insurance cost?

The cost depends on your unique business requirements, so when you request a quote for employers’ liability cover, we’ll ask you a few questions about your workforce and offer you a price based on the information you give us.

Who is considered a close family member?

We define close family members are your husband or wife, children, grandchildren, parents and grandparents.

What’s not covered?

Our employers’ liability insurance doesn’t cover:

  • Work in or on, or travel to or from, any offshore installation or support vessel
  • Injury to an employee travelling in or on, or getting into or out of, a vehicle where any Road Traffic Act legislation applies
  • Liquidated damages, penalty clauses or fines

What if I don’t have employers’ liability cover?

You’re legally required to have this cover under the Employers’ Liability (Compulsory Insurance) Act 1969. If you don’t, you could be fined £2,500 for every day you’re not properly insured. You could also be fined up to £1,000 if you don’t display your certificate of insurance or can’t make it available to health and safety inspectors when they ask.

Is employers’ liability insurance tax deductible?

Yes, employers’ liability insurance is tax deductible. It counts as an allowable expense, which means it’s one of the costs you can deduct when calculating your taxable profit. We recommend speaking to your accountant or contacting a financial adviser for help with making any tax-based decisions.

What if I bought my employers’ liability insurance from a broker?

If you purchased your Aviva insurance policy through a broker, please contact them for help with any queries you might have.

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