Employer’s Liability Insurance

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What is employers’ liability insurance?

Employers’ liability insurance is pretty straightforward – it protects you against any claims made by your employees for injuries and illnesses they may suffer at work.

Also known as EL insurance, an employer’s liability insurance policy covers the huge legal costs that would hit with a claim and also pays any compensation awarded to your employee. Unfortunately, no matter how conscientious you are as an employer, accidents can and do happen and accusations are made, so it’s better to be safe than sorry.

Employers’ liability insurance is the only type of business insurance that is required by law so if you don’t have this cover, you will receive a hefty fine  – which is applied daily – from the Health and Safety Executive.

Once you have received your employers’ liability certificate, it is a good idea to display it clearly on a wall in your office or commercial premises so that everyone can see it clearly.

The minimum amount of employer’s’ liability insurance that is legally required is £5m, but you’ll find that most insurers only offer a minimum of £10m of cover.


Who needs employers’ liability insurance?

Anyone who has employees – so it is safe to say that most of the businesses in the UK need cover. It is a legal requirement for businesses that employ one or more people. To extend the net further, employees don’t even have to be paid, or even on contract.

You are responsible for the safety and welfare of every employee within your business, whether they are permanent or temporary.

You are liable for:

  • Apprentices
  • Part-time staff
  • Work experience students
  • Volunteers
  • Temporary workers

within the workplace.