Essential cover

Employers liability insurance

Employers liability insurance quote

per month

What is employers liability insurance?

Employers liability insurance (EL) is a legal requirement for UK companies, even if you only hire contractors, temporary or part-time staff. Our policy automatically covers for all your employees when they work from home or travel anywhere in the world.

  • Compulsory for employers
  • Covers legal costs
  • Work-related sickness
  • Working from home

Set up your employers liability cover in less than 10 minutes

Change or cancel it at any time.

Benefits of employers liability insurance


Protection from workplace risks

It’s easy to worry about workplace accidents and illnesses when you’re leading a team of any size. Employers liability insurance covers your legal costs and compensation should an employee make a claim against you.


It’s a legal requirement

Employers liability insurance is a legal requirement in the UK. Not having an employers liability policy in place could cost you £2,500 in fines per day from the Health and Safety Executive (HSE).


Cover from ‘compensation culture'

There has been a steep rise in ‘no win, no fee’ services over the last few years. These services make it easy for employees to make a claim against you, even if your company isn’t to blame. Employers liability insurance protects you from these kinds of claims.

Employers liability guide

Who is employers liability insurance for?

Any UK business that has employees – including contractors, casual, temporary and part-time staff – requires employers liability insurance by law. The only exceptions are immediate family members and employees working abroad, although staff abroad may be covered under similar laws where they are based.

What are the risks of employers liability insurance?

Workplace risks can be minimised but not completely removed. Claims can arise from a number of reasons: posture issues from uncomfortable seating, broken bones from falls, mental health issues caused by immense stress etc.

Steps you can take to protect yourself

Comply with health and safety and risk management obligations to minimise the risk of employee injury and illness. Ensure staff are fully trained and have all the information, instructions and certifications needed to do their jobs safely and securely. And for companies with over five members of staff, it’s mandatory to have a written health and safety policy, not having one can result in a fine.

What to watch out for when choosing employers liability insurance

You can be fined as much as £2,500 per day if you don’t have employers liability (EL) insurance. When you purchase EL from a business insurance provider, you’ll receive a certificate, which must be displayed either on your premises or online, so employees and inspectors from the HSE can see it. Failure to do this could result in a fine of up to £1,000. Make sure your insurance cover is purchased from an authorised insurer and if you’re not sure, consult the Financial Conduct Authority (FCA).

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Employers liability insurance FAQs

What excess would I need to pay?

There is no excess to pay when you make a claim on employers liability cover. Everything is handled from our side.

How do I get a employers liability certificate?

As soon as you take out a cover with us, we’ll send out your certificate (or a policy schedule) for each element of the cover you’ve purchased. This will show the level of cover you have, along with the start and end dates of its active period, and the costs involved.

What are the levels of this cover and how much will it cost me?

The limit for employers liability insurance stands at a fixed amount of £10 million. Instalments for this cover can cost you as little as £7.70/month - it all depends on the size of your team and the package you choose with us.

Customise your cover

To simplify things, we've categorised our covers into three groups: essential covers, professional covers, and management covers. You'll be guided through these different options during the quotation process.

Essential covers

per month

Essential for all businesses needing protection against bodily injury and lost or damaged property.

Select from:

Professional covers

per month

Protect against risks associated with the professional services you provide and the way you market your business.

Select from:

Management covers

per month

Protect your management and shareholders against the operational risks associated with running a company.

Select from:

Boost your cover from £10.08 per month

Commercial legal protection

Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.

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Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at or by calling the FCA on 0845 606 1234.