Employers liability insurance is designed to provide valuable protection against any costs and compensation awards as a result of an act of negligence resulting in injury or illness to any employee during the course of their employment.

It is a legal requirement to hold employers liability insurance if you employ one or more persons. A person is classified as an employee if they are: PAYE employees (including directors), labour only sub contractors, hired persons, volunteers and persons provided by government sponsored schemes. A partnership may elect to include or exclude employers liability insurance for injuries to working partners.   

It is also a statutory requirement to retain all employers liability insurance certificates for 40 years (in the event a former employee makes a claim for any injury or illness caused in the past). The Health and Safety Executive (HSE) enforces the law on employers liability insurance and can issue fines of up to £2,500 for any day a business does not hold suitable cover.

The statutory minimum level of employers liability insurance is £5 million but the normal level offered by insurers is £10 million.

Employers liability insurance can be added as an optional extra to most public liability insurance schemes and is also often automatically included on shop or office insurance policies. 

Key Features of Employers Liability Insurance

See if you qualify by visiting the list of trades page or go straight to our public liability insurance quote form.

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