Employers’ Liability Insurance

We match clients from all industries in the South with the perfect Employers’ Liability Insurance cover to suit their specific budget and needs. Our team don’t believe in a one-size-fits-all approach and will use our close connections within the insurance market to source you the most comprehensive cover possible. We adopt a personal approach, and will get to know you and your business so that we can provide the best possible service.

Get in touch today on 01202 874 989 or submit a quick contact form online to arrange a callback from one of our friendly team of brokers.

What is Employers’ Liability Insurance?

No matter how much risk planning you do, freak accidents can still occur in the workplace. Employers’ Liability (EL) Insurance provides your business with financial compensation to cover legal costs, should an employee sue you for a work-related injury or illness.

For example, a former employee may have developed a respiratory condition as a result of working with asbestos, or an office worker could badly injure themselves in a fall due to poorly placed equipment.

Why you should have Employers' Liability Insurance

If you employ anyone, no matter how small or brief their role may be, you are legally required to hold Employers' Liability Insurance. Many businesses fall short of this requirement, incorrectly believing that subcontractors are not employees. However, the second that a subcontractor uses your tools/equipment or takes direction from you there is a ‘master/servant’ relationship and EL is required.

The HSE can fine you up to £2,500 per day you are without suitable EL insurance, so if you are unsure if it is required, contact one of our specialists today to discuss.

EL should also be considered for anyone who uses volunteers. Whilst it is not legally required to hold EL when you are not paying a wage, you still have a duty of care and have EL exposure to claims.

For further advice and guidance relating to Employers' Liability Insurance, contact our specialist team. We would be happy to advise you on your available options.

trip hazard - employers liability insurance risk of fall - employers liability insurance

Do I need Employers’ Liability Insurance?

The vast majority of businesses operating in the UK will be legally required to have an Employers’ Liability Insurance policy, or face fines of up to £2,500 a day. This will be the case as long as you have at least one employee. According to The Employers’ Liability (Compulsory Insurance) Act 1969, businesses must take out at least £5 million worth of cover. There are a few exceptions:

  • Public organisations
  • Health service bodies
  • You only employ close family members (though the business cannot be incorporated as a limited company)
  • You are self-employed and work alone

If you are looking for Employers’ Liability Cover that is tailored to your company’s needs and budget, contact our team of experienced insurance brokers today on 01202 874 989. We are dedicated to providing a high-quality, personal service and ensure you receive the very best support.