Essential cover

Employers' liability insurance

Employers' liability cover is a legal requirement for any business that has employees. Our flexible policy offers cover for you and your team whether you’re working from home, or at the office.

Employers liability insurance quote

From£
5.35
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

1

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.

2

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).

3

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.

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Employers liability insurance FAQs

What is employers' liability insurance?

Employers' liability insurance provides cover for legal and compensation costs associated with a claim made against you by an employee, due to injury or property damage.

Who needs employers' liability insurance?

Employers' liability insurance is mandatory in the UK for all businesses employing one or more people.

Who is usually exempt from employers’ liability insurance?

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.

What does employers' liability insurance cover?

Employers' liability insurance covers costs associated with certain types of claims against a business by its employees; namely injury and property damage against said employees while carrying out their duties as employees.

How much is employers' liability insurance?

The cost of employers' liability will vary between providers but will take into account factors such as the number of employees within a business, the business activities carried out and the level of cover selected.

How much employers' liability insurance do I need?

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.

What are the risks covered by employers' liability insurance?

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.

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

The difference is that public liability insurance concerns claims made by a member of the public (e.g. a customer or passerby), while employers' liability insurance concerns claims made by an employee.

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

From
£5.13
per month

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

Professional covers

From
£7.58
per month

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

Management cover

From
£6.90
per month

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

Boost your cover from £10.08 per month

Legal protection insurance

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

We insure thousands of innovative businesses

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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 www.fca.org.uk or by calling the FCA on 0845 606 1234.