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Employers' liability insurance

We care about our customers' businesses, that includes your employees.

  • From £39* to add cover for an additional employee
  • Employers' liability insurance is a legal requirement for most businesses.
  • £5 million employers’ liability insurance is the minimum legal requirement, but we include £10 million cover as standard
  • We can help hundreds of trades find cover.
  • With a contact centre based in south Wales, we're customer service focused and ready to help.

*Based on a bookkeeper purchasing employers' liability insurance adding an additional member of staff to an existing public liability insurance policy...

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What is employers' liability insurance?

Employers’ liability insurance is there to cover your business in the event of a compensation claim that can take place due to employee illness or injury.

The term helps to explain that it is the employer’s duty to provide employers' liability insurance if an employee is injured at work or contracts an illness or other medical condition as a result of their employment.

The liability risk arises because in addition to certain statutory responsibilities for the health and safety of employees, the employer also has a general duty of care for their well-being whilst at work. If the employer is negligent in this responsibility, a case may be made for substantial compensation to be made.

Failure to have such cover could see you face substantial fines for each day your employees are not protected. If you do not have employers’ liability cover and one of your employees is injured whilst carrying out their job, you face legal action and potentially a large claim for compensation that you will need to fund from your business.

Why do I need employers' liability Insurance?

With all but a few exceptions, any business owner employing others in the running of the business is required by law to hold a minimum of £5 million employers’ liability insurance to meet any such claims.

You have a duty of care to protect your employees.  This care establishes that an individual must take responsibility to prevent injury to an employee. If an employee is injured at work or contracts an illness or medical condition as a result of their job, the employer may be ordered to pay compensation for a breach of the common law duty of care owed to that employee.

Having this insurance also allows you to care for your employees when they might need it most giving them protection if something went wrong.

What does employers’ liability insurance cover?

Employers’ liability insurance can cover compensation to employees, legal costs, and fees if the claim goes to court. As it is the law, you need to have employers’ liability insurance for every permanent employee, seasonal, casual and contract employees, labour-only subcontractors and trainees and employees who are on apprenticeships.

If one of your employees develops an illness due to work they have undertaken for you, employers’ liability insurance can cover medical bills and legal fees that can arise due to the claim. These claims can happen even after an employee no longer works for you as symptoms can arise months or years later.

If your business relies on volunteers, interns, work-experience, contractors or freelancers, be sure to check if your policy covers them as well.


  1. 30,000+ customers bought from us and trust with their insurance
  2. Flexibility to adapt your policies throughout the year
  3. UK-based contact centre trained to help you with your insurance queries
  4. Dedicated account manager

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Read our FAQ's

The minimum level required by law is £5m. However, through longstanding relationships with our panel of insurers all of the policies we can supply contain a minimum of £10m of cover.

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Every business employing staff is required by law to take out employers’ liability insurance. This includes businesses that employ sub-contractors, temporary workers, and trainees. Employers’ liability cover is mandatory if you are a limited company.

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As with any type of insurance, the cost of premiums may vary quite widely from one insurer to another. The price of premiums is influenced by a number of factors, including the number of people you employ and the particular nature of your business.
Normally, you will need a minimum of £5 million of employers’ liability insurance to follow the UK law, but we include £10 million of cover as standard.

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