Employers' Liability Insurance 

Employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible. The Employers’ Liability (Compulsory Insurance) Act 1969 ensures that you have at least a minimum level of insurance cover against any such claims. Employers Liability insurance carries NIL excess. 

What Is Employers' Liability Insurance? 

Employers’ Liability insurance ensures that you have a minimum level of insurance cover to enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site through work. 

Do I Need Employers Liability Insurance? 

If you are an employer then you are legally obliged to take out Employers’ Liability Insurance. You can be fined up to £2,500 for every day you do not have appropriate cover in place. Some businesses are exempt, so check if Employers’ Liability is not required for your business here: 

What Does Employers' Liability Insurance Cover? 

Employers’ Liability Insurance covers claims brought against you by: 
Permanent Employees 
Contract, Casual & Seasonal Employees 
Labour Only Sub Contractors 
Temporary Employees 
Volunteers, Referees, Marshalls & Advisors 
Students & People on Work Placements 
Work Placements 
You are obliged to have £5 million cover for compensation but most insurers offer £10 million cover as standard. 
The cost of your premium is based on the following risk factors: 
The nature of your business 
The number of employees you have 
Your previous claims history 
You no longer need to keep a copy of your Employers Liability certificate for 40 years but the certificate must be made available to employees. 

Get An Employers' Liability Quote 

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