We're here to help
0345 222 5391
Mon-Fri, 9am-5pm

Advice, News & Know-how

Employers’ liability

Here's where we lift the lid on insurance and explain it all simply.

There's essential help with how best to protect your business or not-for-profit. Plus, useful advice on running your organisation and life as a freelancer.

How are employers’ liability costs calculated? 
Knowing how employers' liability costs are calculated can help you understand exactly what goes into the quote you receive from an insurer.
03/08/2026

Employers’ liability vs public liability insurance: what’s the difference?  
Compare employers' liability vs public liability insurance. Learn the key differences and find out what you need.
30/07/2026

Is employers’ liability insurance a legal requirement?
Employers' liability insurance is a legal requirement for almost all businesses in the UK. Here's everything you need to know.
27/07/2026

What’s claims made insurance?
Professional indemnity and medical malpractice are 'claims made' insurance. Find out what this means and why it matters.
20/07/2026

Do sole traders need employers’ liability insurance?
Knowing exactly what sole trader insurance you need can be confusing. Do you need employers' liability insurance? Find out here.
07/07/2026

Do I need employers’ liability insurance for work experience students?
Your workforce's wellbeing is your responsibility. Here's why you need employers' liability insurance for work experience students.
03/07/2026

Do I need employers’ liability insurance for freelancers?
Not sure whether you need employers' liability insurance for freelancers? Here's everything you need to know and why.
01/07/2026

What is employers’ liability insurance: a complete guide
Employers' liability insurance protects you if employees claim for injuries and illnesses they suffer at work. Get it or get a fine from the HSE.
18/06/2026

Does my charity need employers’ liability insurance for volunteers?
The Charity Commission recommends protecting your volunteers with employers' liability insurance. Here's what it does and why you need it.
15/05/2026

Do you need employers’ liability insurance for contractors?
If you use contractors, you might be wondering if you need insurance. Find out if you do need employers' liability for contractors here.
30/01/2026

Hiring your first employee: a step-by-step guide
Hiring your first employee is a big milestone for your business. Here's everything you need to know to make it a success.
12/12/2025

What’s an Employer Reference Number?
What's an employer reference number? Why do you need one? Wondering why we’re asking you these questions? Here's your answer.
29/10/2025