Employers’ Liability Insurance

What is Employers’ Liability Insurance? If you employ staff – even just one – you’re legally required to have this insurance in the UK. This cover protects your business if an employee is injured or becomes ill due to the work they do for you.

What’s Covered?

  • Injury or illness claims from current or former employees

  • Legal fees to defend your business

  • Compensation payouts if you're found liable

This includes common workplace incidents like slips, falls or repetitive strain injuries, as well as long-term health conditions caused by work.

Is Employers’ Liability Insurance Compulsory?

Yes. If you employ one or more people, you must have Employers’ Liability Insurance – even for part-time, temporary or volunteer workers in many cases. Failing to have this cover can result in fines of up to £2,500 for each day you’re not insured.

What a Claim Might Look Like

A warehouse worker injures their back while lifting heavy items without proper training. They file a claim for medical expenses and lost income. Employers’ Liability Insurance covers the legal defence and any compensation awarded.

We Would Love to Hear from You

Let’s talk about how we can improve your coverage, service, and premium. Simply fill in your details, and we will be in touch within 24 hours to see if we can help.