Employers' liability insurance
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Protect your people. Protect your business.
If an employee is injured or gets 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 covers the legal costs associated with a claim, and pays any compensation awarded to your employees. Even if you have just one member of staff, you're legally required* to have it.
The Health and Safety Executive enforces the law on employers' liability – and they're serious about it too. You could be fined £2,500 for each day you're without the necessary cover and £1,000 for not displaying the appropriate certificate. (For the full details, read the HSE's guide for employers.)
From April 2012, in a move designed to take the guesswork out of employers liability claims, all employers have to give their employer reference number (ERN) to their insurer when they buy or renew a policy. If you’re not sure what an ERN is, find out more in our all-you-need-to-know blog post.
*The only exemptions are:
- Limited companies where the owner is the sole employee.
- Unincorporated 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
A policy summary of the key information and benefits of a sample employers' liability insurance policy.
Important information about the terms and conditions from a sample employers' liability insurance policy.