Employers' liability insurance
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.
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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.
Employers' liability insurance is mandatory in the UK for all businesses employing one or more people.
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.
Employers' liability insurance covers costs associated with certain types of claims against a business by its employees; namely injury against said employees while carrying out their work duties.
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.
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.
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.