Employers’ liability insurance

Employers’ liability insurance

Protect your employees from just £50 a year*

£10 million protection – for legal costs and compensation due
Up to 50 days' free cover for temporary workers
£250 compensation a day court attendance compensation

GET A BUSINESS INSURANCE QUOTE

What is employers’ liability insurance?

Employers' liability insurance is a legal requirement under the Employers’ Liability Act 1969. It’s there to protect your employees if they get injured or become ill as a result of working for your business. It covers the damages, compensation costs and legal fees that a current or ex-employee is entitled to as a result of illness or injury which may have been caused while working for your business. Employers’ liability insurance covers:
Full-time and part-time employees
Self-employed contractors you hire
Temporary staff, apprentices and volunteers
People taking part in work experience or training schemes

What does employers’ liability cover?

Employers’ liability insurance can pay the compensation amount and legal costs if an employee, or an ex-employee, claims compensation for a work-related illness or injury. Employer’s liability insurance covers full-time and part-time employees, any self-employed contractors you hire, temporary staff, apprentices, volunteers, and people taking part in work experience or training schemes. Included as standard with Us you get £10 million cover, cover to pay health and safety law prosecution costs, £250 compensation per day if you need to attend court to defend a claim made against you, and access to a 24-hour legal helpline. Additionally, you as an employer are responsible for covering your employees who work from home. With Us, your employer’s liability cover extends to those staff who may be working for you full-time or part-time from home while they carry out work for your business.

How much does employers’ liability insurance cost?

Our employers’ liability insurance customers pay from £50* for their cover – but the quickest way to find out the price that’s right for you? Get a quote online. It’ll take a few minutes – plus, if you decide to buy, you’ll get an automatic 10%** discount. Mix it with any of our core covers or add-on protection to create custom insurance.

Do I need employers' liability insurance?

No matter how careful you are, workplace injuries happen, and in the case of occupational diseases, claims can happen many years down the line. That’s why, If you employ anyone, even temporarily, employers’ liability insurance can cover compensation costs and legal fees, and, in most cases, it’s a legal requirement.

If you don’t have employers’ liability insurance, it could cost you dearly and not just from a compensation claim. If you employ even one member of staff on any basis, including volunteers, and if you don’t have it, you face being fined £2500 for every day you are uninsured. You can also give us a call and chat to one of our friendly and experienced advisors who’ll keep you right.

What is the difference between public and employers’ liability insurance?

Public liability insurance covers your business against claims made by third parties, such as customers, clients, or members of the public. It protects you against an accidentally injuries or property damaged cause by your business or its products.

Whereas Employer’s liability insurance is a legal requirement under the Employers’ liability Act 1969 for any business with employees. It covers anyone that you’re responsible for, including includes employees (both full and part-time), volunteers and trainees. It protects them if they get injured or fall ill as a result of working for you.