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Compare employers' liability insurance

If a business has employees, in most cases employers' liability cover is required by law. It protects you against any claims for compensation following an injury sustained by any of your employees whilst at work.

Despite best efforts, we all know workplace injuries can happen – the most trivial accident suffered by a member of staff could trigger demands for compensation. Without employers’ liability insurance a claim could be expensive to your business.

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your professional indemnity insurance simple and hassle free. We’re committed to finding the right risk management solutions for your business to let you work without worry and focus on what really matters – your business.

Why choose us?

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    Rated 4.6/5 based on 460 Feefo reviews

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What is Employers' Liability Insurance?

If your company is found to be legally liable for an injury or illness suffered by an employee during their work, employers' liability insurance will cover the cost of any compensation claimed. The cover also includes any legal costs if you chose to defend your company’s position, as well as the costs and expenses incurred by the injured employee should you be found legally liable.

Do I need Employers' Liability Insurance?

Businesses are required by law to have employers’ liability insurance for people who they employ under a contract of service – which can be spoken, written, or implied.

However, family businesses that are not limited companies and employ only people directly related to the owner aren’t legally required to buy employers’ liability insurance. In addition, limited companies that are run by a sole director who also owns 50% or more of the issued share capital in the company are not required by law to have employers’ liability insurance.

How much cover will I need?

Companies must arrange cover for at least £5 million. This is referred to as the “Limit of Indemnity” (this is the maximum amount an insurer will pay out for any one claim usually within the policy year).

What risks would I be exposed to if I don’t have employers’ liability insurance?

The Health and Safety Executive (HSE) enforces the law on employers' liability insurance. HSE inspectors can check that you have it by asking to see your certificate of employers' liability insurance and other insurance details.

"Very impressed with their efficient approach and the care and attention they pay to customers. I would recommend them and look forward to using them again. They were that impressive they got the business from our normal broker who we have used for 30+ years!"

Mr Appleby, Property Owner, Lancashire (Customer since November 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"It was really easy to buy my insurance from them and the online quotation process was quick and simple. They responded to my queries via the phone and web chat in a timely manner plus I got my certificate and other documents in the post really quickly"

Mrs Chung, Takeaway Food Retailer, Walsall (Customer since December 2018)