Employers’ Liability Insurance

Protect your business against claims from your employees

Do I need Employers' Liability Insurance for my business?

To answer that question, 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.

This way, you're covered if an employee is injured or becomes ill because of the work they do for you. You will need to consider if Employers' Liability cover is suitable for yours and your business needs and check the full details. 

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 for your Employers’ Liability Insurance?

Complete cover

Compensation, legal costs and expenses for defending health and safety prosecutions – you’re prepared whatever happens.

£10 million protection

Our insurance provides you – that's double the legal minimum £10 million cover as standard.

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; our policy provides £10 million cover as standard
  • Cover against claims made by all members of staff, including workers employed through government schemes
  • Cover against claims by staff on work experience
  • Up to £500 compensation per day for each director, partner or employee attending court

What isn’t included

  • 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

For more information about our covers and exclusions please refer to the summary of cover documents.

Get a quote for Employers’ Liability Insurance

If your business has 1-9 employees, you can get Employers' Liability Insurance online when selecting a core cover of Public Liability Insurance, or Buildings or Contents Insurance.

Get quote & buy Retrieve a saved quote

Over 9 employees? Buy through a broker

Find out more about our Business Insurance covers

Choose a core cover, Buildings and Contents Insurance or Public Liability Insurance, then explore our range of options for extra cover where you need it.

Got a question?

We answer some of the most frequently asked questions about Employers’ Liability Insurance.

How much cover is included?

How much does Employers' Liability Insurance cost?

Who is considered a close family member?

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

What if I bought my Aviva Employers' Liability Insurance from a broker?

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