Employers liability insurance
Why buy employers liability insurance?
As an employer, it's your responsibility to look after the health and wellbeing of your workforce. And if you employ one or more people, employers liability insurance (EL) is a legal requirement for UK companies.
Our policy automatically adds EL cover if you have employees, whether they work from home, the office or travel anywhere in the world.
- Covers work-related injury and illnesses
- Covers legal and compensation costs
- Compulsory for most employers
- £10 million of cover as standard
Set up your employers liability cover in less than 10 minutes
Change or cancel it at any time.
What is employers liability insurance?
Employers liability insurance is a key type of business insurance that's designed to protect businesses if an employee made a claim against you for a work-related injury or illness. It covers the legal and compensation costs associated with a claim made by an employee, which can be in the thousands, if not millions.
If you have employees, regardless of if they're full-time, part-time, temporary, contracting, doing an apprenticeship or even volunteering, employers liability insurance is a legal requirement in the UK. This makes it a must-have cover for most businesses.
If you employ people but don't have employers liability cover in place or you're not displaying your employers liability certificate, you could be fined.
Do I need employers liability insurance?
In the UK, employers liability is required for employers. It doesn't matter if your workers are temporary, part-time, contracting or even volunteers, you must have at least £5 million of cover if you hire any type of employee.
The only exception to this is if your business only employs family members. You can read more about the rules for various business types and more details of the exemption in our 'Do I need business insurance?' guide.
What do I need employers liability insurance for?
Protection from workplace risks
It’s easy to worry about workplace accidents and illnesses when you’re leading a team of any size. And while you can put as many health and safety measures as you can in place, accidents can still happen.
If an employee suffers from a work-related injury or illness and wants to make a claim against you, employers liability insurance would cover the legal and compensation costs associated with the claim.
Because it’s a legal requirement
Employers liability insurance is a legal requirement in the UK. If you were found to have employees, but no employers liability policy in place, you could be fined £2,500 from the Health and Safety Executive (HSE) for every day that you didn't have cover.
Once you have EL cover, it's also a legal requirement to display your policy certificate, either online or on your business' premises. If you didn't, the HSE has the power to fine you £1,000.
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.
Peace of mind
Accidents are largely out of your control, which can be a worrying thought. But employers liability cover is there to ease those worries with cover that protects you and your business from the potentially high costs of a lawsuit and payout, if an employee tried to claim compensation.
We've made insuring your business simple. Get started.
Employers liability claims
Employers liability claims are different for every type of business, but here are a few examples of claims where the business could be liable.
An employee is walking back to their desk and trips over a loose piece of carpet, breaking their arm.
An employee suffers mental health issues after being in a high pressure environment at work.
An employee injures themself after not being given sufficient enough training to use a piece of equipment.
How do claims work?
You make a claim
Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.
We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss, type of claim and its detailed description.
You can also attach any relevant supporting documentation like proof of loss or proof of purchase.
We'll get on the case
Once submitted, your claim will be assessed.
If the claim is large, we may need more information from you. Or, if it's small, our team may be able to settle it within a couple of days (or hours, in some cases).
Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.
Your claim is settled
After it's been assessed, we'll let you know if your claim has been successful or not.
If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.
Employers liability insurance FAQs
Employers liability insurance provides cover for legal and compensation costs associated with a claim made against you by an employee, due to injury or illness.
Employers liability insurance protects businesses if an employee makes a claim due to workplace injury or illness. It covers the legal and compensation costs associated employee claims.
Employers liability insurance is mandatory in the UK for all businesses employing one or more people. This makes is an essential cover for more businesses.
Broadly speaking, businesses without employees are exempt from employers liability insurance. There are also some companies with employees who may be exempt. For example, business that employ only close family members. It's important to check your status, as if you are required to have it but don't, you could face fines of up to £2,500 for each day you didn't have it.
The cost of your employers liability premium will vary depending on the number of workers you employ, the business activities carried out and the level of cover selected. Our employers liability insurance starts from £5.35 per month.
The minimum level of employers liability cover required for all UK businesses with at least one employee is £5 million. Superscript offers £10 million cover as standard.
Employers liability claims can arise for a number of situations. From posture issues due to uncomfortable seating, to broken bones from falls, to mental health issues caused by immense stress. Any work situation which causes an employee's injury or damage to their personal property may result in a claim against you.
Learn more about employers liability
Our insurance 101 guides answer more of your employers liability questions.
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.
Boost your cover from £10.08 per month
- 20 Jan 20222 minute read
With differing risks and requirements to an established business, find out what you should look for in an insurer to cover your scaling company.
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 www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fca.org.uk