{"id":28202,"date":"2026-08-03T12:14:59","date_gmt":"2026-08-03T11:14:59","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=28202"},"modified":"2026-08-03T12:15:09","modified_gmt":"2026-08-03T11:15:09","slug":"how-are-employers-liability-costs-calculated","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/how-are-employers-liability-costs-calculated","title":{"rendered":"How are employers\u2019 liability costs calculated?\u00a0"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/How-are-employers-liability-insurance-costs-calculated-blog-image.png\" alt=\"A man considers how employers liability insurance costs are calculated.\" class=\"wp-image-28201\" style=\"object-fit:cover;width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/How-are-employers-liability-insurance-costs-calculated-blog-image.png 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2026\/07\/How-are-employers-liability-insurance-costs-calculated-blog-image-300x150.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Making sure you tick&nbsp;all&nbsp;the correct legal boxes is essential as an employer. But so is knowing the&nbsp;different factors&nbsp;that feed into the cost of&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers\u2019 liability&nbsp;(EL)&nbsp;insurance<\/a>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before&nbsp;getting&nbsp;a&nbsp;quote,&nbsp;it&#8217;s&nbsp;useful to know why&nbsp;insurers&nbsp;ask&nbsp;the questions they do. And why&nbsp;answering&nbsp;them as honestly and accurately as you&nbsp;can&nbsp;means you get the most out of your insurance.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ll&nbsp;get into&nbsp;what info&nbsp;you&#8217;re&nbsp;likely&nbsp;to&nbsp;need&nbsp;to give&nbsp;and why here. But first,&nbsp;let\u2019s&nbsp;cover the basics of what EL&nbsp;is and why you need it in the first place.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Do I need employers&#8217; liability insurance for my staff?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.policybee.co.uk\/blog\/hiring-your-first-employee\" target=\"_blank\" rel=\"noreferrer noopener\">Hiring&nbsp;your&nbsp;first employee<\/a>&nbsp;is a big milestone. It usually means your business is growing, which is great news.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But it also comes with extra responsibilities and a few new things to think about. Like whether&nbsp;you\u2019d&nbsp;need to get&nbsp;employers\u2019 liability (EL) insurance&nbsp;for your&nbsp;new staff&nbsp;member.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.policybee.co.uk\/blog\/employers-liability-legal-requirement\" target=\"_blank\" rel=\"noreferrer noopener\">Employers\u2019 liability insurance is&nbsp;<strong>legally required<\/strong><\/a>&nbsp;if you&nbsp;employ staff in the UK. It covers&nbsp;claims&nbsp;where&nbsp;employees (or former employees)&nbsp;say&nbsp;they\u2019ve&nbsp;fallen ill or become injured because of their work.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">EL&nbsp;covers the legal costs&nbsp;of&nbsp;such claims&nbsp;and any compensation you may&nbsp;owe&nbsp;them.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Examples of claims&nbsp;include:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An employee injuring their back while lifting\u00a0something heavy.\u00a0<\/li>\n\n\n\n<li>An office worker tripping over some exposed cables\u00a0and breaking their ankle.\u00a0<\/li>\n\n\n\n<li>A\u00a0contractor\u00a0getting sick\u00a0after being exposed to hazardous chemicals.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u2018Employees\u2019&nbsp;don\u2019t&nbsp;just&nbsp;have to&nbsp;mean&nbsp;full-time staff on your payroll either.&nbsp;<a href=\"https:\/\/www.hse.gov.uk\/pubns\/hse40.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">The Health and Safety Executive (HSE) consider a wide range of people&nbsp;who work for you<\/a>&nbsp;to&nbsp;be&nbsp;your employees. Including freelancers, volunteers, work experience&nbsp;students,&nbsp;and&nbsp;contractors&nbsp;under your supervision.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are a few&nbsp;exceptions, such as businesses&nbsp;who employ close family members&nbsp;and companies where the&nbsp;only&nbsp;employee&nbsp;is the business owner.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But other than those,&nbsp;most businesses&nbsp;with employees&nbsp;will&nbsp;probably&nbsp;need&nbsp;EL&nbsp;cover.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the HSE come knocking and&nbsp;you\u2019re&nbsp;caught without&nbsp;it, you&nbsp;can&nbsp;be fined up to \u00a32,500&nbsp;<em>each&nbsp;day&nbsp;<\/em>you were&nbsp;supposed&nbsp;to have it.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus,&nbsp;another \u00a31,000 for not displaying a valid insurance certificate&nbsp;where your employees can&nbsp;find&nbsp;it easily.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more on&nbsp;what EL covers,&nbsp;take a look&nbsp;at&nbsp;our&nbsp;in-depth&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/employers-liability-insurance-all-you-need-to-know\" target=\"_blank\" rel=\"noreferrer noopener\">guide to employers\u2019 liability insurance<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How are your&nbsp;employers\u2019 liability costs&nbsp;calculated?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Insurers&nbsp;consider&nbsp;several&nbsp;different&nbsp;factors&nbsp;when&nbsp;assessing&nbsp;the cost of your employers\u2019 liability insurance. This&nbsp;helps&nbsp;them&nbsp;work out&nbsp;two things:&nbsp;<strong>how likely you are to claim<\/strong>&nbsp;on your insurance&nbsp;and&nbsp;<strong>how much that claim could cost<\/strong>.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To do that, they might&nbsp;ask&nbsp;about:&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. <strong>Your business activities<\/strong>\u00a0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It&nbsp;figures&nbsp;the greater the risk of injury to one of your employees, the more your EL insurance&nbsp;might&nbsp;cost.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As a general example, most&nbsp;office-based businesses&nbsp;can expect to&nbsp;pay&nbsp;less&nbsp;for their&nbsp;employers\u2019 liability&nbsp;insurance&nbsp;than&nbsp;ones&nbsp;in retail&nbsp;or&nbsp;hospitality. While&nbsp;businesses&nbsp;involved&nbsp;in constructure or manufacturing&nbsp;might&nbsp;find&nbsp;their&nbsp;EL&nbsp;costs&nbsp;significantly&nbsp;more.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s\u00a0important\u00a0to remember that\u00a0insurers consider a range of factors\u00a0when\u00a0calculating\u00a0the cost of employers&#8217; liability insurance. And depending on what your business does, your\u00a0business activities\u00a0may or may not\u00a0influence\u00a0the cost of your EL.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. <strong>Number of employees and payroll<\/strong>\u00a0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When&nbsp;buying employers&#8217; liability insurance, insurers will usually want to know how many people you employ&nbsp;and&nbsp;what your&nbsp;total&nbsp;employee payroll is.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s&nbsp;important to&nbsp;tot your staff up properly.&nbsp;For some insurers, having more employees&nbsp;can mean you pay a bit more&nbsp;towards&nbsp;the cost of your&nbsp;employers&#8217; liability insurance&nbsp;(that includes&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/insurance-for-work-experience\" target=\"_blank\" rel=\"noreferrer noopener\">work experience students<\/a>, interns, and apprentices).&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember, agency workers&nbsp;don\u2019t&nbsp;count as employees if their agency covers their EL for them.&nbsp;Make sure to&nbsp;double-check&nbsp;if&nbsp;that\u2019s&nbsp;really&nbsp;the case&nbsp;before&nbsp;ruling&nbsp;them out.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. <strong>Claims history<\/strong>\u00a0<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lastly, your&nbsp;insurer will&nbsp;want to know&nbsp;about any claims&nbsp;you&#8217;ve&nbsp;had in the past.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This might mean you end up paying a bit more for your employers&#8217; liability insurance. But&nbsp;it&#8217;s&nbsp;important you&nbsp;don&#8217;t&nbsp;gloss over&nbsp;any&nbsp;details.&nbsp;You&nbsp;could end up invalidating your cover if you do.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This&nbsp;means keeping records&nbsp;of any accidents. As well as making sure&nbsp;you\u2019re&nbsp;carrying out&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/blog\/how-to-risk-assess-your-business\" target=\"_blank\" rel=\"noreferrer noopener\">risk assessments,<\/a>&nbsp;have health and safety policies in&nbsp;place, and&nbsp;provide your&nbsp;staff with&nbsp;appropriate training.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How much employers\u2019 liability&nbsp;cover&nbsp;do I need?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">By law, you&nbsp;<strong>must<\/strong>&nbsp;have a minimum of&nbsp;\u00a35&nbsp;million&nbsp;employers\u2019 liability cover for your staff. However, most insurers&nbsp;offer&nbsp;\u00a310 million&nbsp;as standard.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In either case, you&nbsp;won\u2019t&nbsp;pay significantly more for&nbsp;\u00a310&nbsp;million&nbsp;of cover than you would for \u00a35 million.&nbsp;It\u2019s&nbsp;simply the amount most insurers offer.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Serious workplace injuries and long-term illnesses, and all the legal costs associated with them, can stack up&nbsp;quickly. With some EL claims running up to hundreds of thousands of pounds.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Should I&nbsp;tell&nbsp;my&nbsp;insurer if&nbsp;I\u2019m&nbsp;hiring more&nbsp;staff?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As&nbsp;we&#8217;ve&nbsp;mentioned before,&nbsp;taking on more employees&nbsp;can&nbsp;sometimes&nbsp;mean you end up paying a bit more&nbsp;towards&nbsp;the cost of your&nbsp;insurance.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Either way,&nbsp;it&#8217;s&nbsp;a good idea&nbsp;to&nbsp;let your insurer know if you hire more people or if your business changes&nbsp;direction. They may want to check your payroll&nbsp;again and whether your business activities have changed.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rest assured,&nbsp;the&nbsp;questions insurers ask&nbsp;when&nbsp;you\u2019re&nbsp;getting your quote&nbsp;with them&nbsp;aren\u2019t&nbsp;intended&nbsp;to&nbsp;catch you out&nbsp;or dramatically affect the cost of your insurance.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Assuming you get the standard \u00a310m amount of\u00a0employers\u2019 liability\u00a0cover\u00a0most\u00a0insurers offer\u00a0and\u00a0you\u00a0keep your insurer updated about any significant changes over\u00a0the policy year,\u00a0you can\u00a0feel confident\u00a0your business will be protected.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Is there anything else I need to know?<\/strong>&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although you can sometimes buy EL on its own, many insurers choose to package it&nbsp;alongside&nbsp;other products&nbsp;&#8211;&nbsp;like&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/public-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">public liability (PL)&nbsp;insurance<\/a>.&nbsp;In some cases, this is cheaper than standalone EL.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">PL&nbsp;is a perfect partner to EL as it also covers injuries and illnesses at work. However, these are&nbsp;ones inflicted by your business on clients,&nbsp;suppliers, members of the public, and other&nbsp;people who&nbsp;aren\u2019t&nbsp;your employees.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Apart from that, a good broker who&nbsp;knows your industry will be able to&nbsp;help with&nbsp;any questions&nbsp;you&nbsp;have.&nbsp;You can rely on them&nbsp;point you towards the&nbsp;most suitable cover.&nbsp;And if&nbsp;something&nbsp;doesn\u2019t&nbsp;look right, you can always ask them for&nbsp;help.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Need&nbsp;help navigating&nbsp;how to buy EL?&nbsp;Give&nbsp;us&nbsp;a call on&nbsp;<strong>0345 222 5391&nbsp;<\/strong>or&nbsp;head&nbsp;over&nbsp;to&nbsp;our&nbsp;<a href=\"https:\/\/www.policybee.co.uk\/employers-liability-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">employers\u2019 liability insurance page.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Image used under license from iStock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Making sure you tick&nbsp;all&nbsp;the correct legal boxes is essential as an employer. But so is knowing the&nbsp;different factors&nbsp;that feed into the cost of&nbsp;employers\u2019 liability&nbsp;(EL)&nbsp;insurance.&nbsp; Before&nbsp;getting&nbsp;a&nbsp;quote,&nbsp;it&#8217;s&nbsp;useful to know why&nbsp;insurers&nbsp;ask&nbsp;the questions they do. And why&nbsp;answering&nbsp;them as honestly and accurately as you&nbsp;can&nbsp;means you &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/how-are-employers-liability-costs-calculated\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[131,290,132],"tags":[319,306,137],"class_list":["post-28202","post","type-post","status-publish","format-standard","hentry","category-employers-liability-insurance","category-self-employed-and-freelance-advice","category-small-business-advice","tag-employers-liability","tag-insurance-costs","tag-insurance-explained"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>How are employers&#039; liability costs 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