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Employers' liability insurance

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Protection for your people. Protection for you.

Like any person charged with running a company, you take your responsibilities seriously.

You want to make sure that your staff are safe and well and don't become sick or get injured as a result of working for you. It is what any right-thinking boss would do, after all.

But if an employee is injured or becomes ill at work - and your business is held liable - you'll need more than just a sticky plaster to make it right.

Employers' liability insurance will cover the legal costs associated with a claim and any compensation paid to your employee as a result. And even if you have just the one member of staff, you're still legally required* to have it.

The Health and Safety Executive enforces the law on employers' liability, and they're serious about it too. They could fine you up to £2,500 for any day you're without the necessary cover and £1,000 for not displaying the appropriate certificate. (For a full explanation, have a read of the HSE's guide for employers.)

So it's best not to take a chance. We can arrange £10 million employers' liability cover, together with public liability insurance, in just a few clicks.

*The only exemptions are for:

  • Limited companies where the owner is the sole employee
  • Un-incorporated family businesses where all employees are closely related

The finer detail of the cover

You get cover for:

  • Full and part-time employees
  • Self-employed, labour only subcontractors
  • Voluntary helpers and those under a work experience scheme



Summary of cover | Employers' liability insurance

A policy summary of the key information and benefits of a sample employers' liability insurance policy.


Policy wording | Employers' liability insurance

Important information about the terms and conditions from a sample employers' liability insurance policy.


Employers' liability at competitive prices

Turnover £50,000
Level of cover £10,000,000
Annual cost £31.80*

*Example only - based on purchasing with professional indemnity and public liability, premiums differ depending on a range of specific criteria.

Got a question?

Ask Kerri,
our expert on employers liability insurance.

Kerri-Ann Hockley
Head of Sales

Direct line: 0845 872 5073

As my title suggests I'm responsible for all things 'sales' but I also keep an eye on our existing customers too.


The cover provided by the insurance on this website is subject to policy Terms and Conditions. Descriptions of the insurance are not legally binding and are intended as a guide and for information purposes only. No legal expertise or advice is implied or should be inferred.

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