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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.

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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.

"Joe was polite, efficient and friendly. He talked through the questions, sent through the quotes and followed up everything as promised. The whole experience was pain free, efficient and he got a great quote for us too!"

Mr Simpson, Marketing Consultants, Banbury. (Customer since May 2017)

"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)

"Friendly staff, very helpful. They always called me back when I requested it and didn't pressure me into buying. They searched the market for the best deal for my needs and I couldn't be happier. I would be definitely recommend them!"

Mrs Chalise, Laundry/Dry Cleaners, Warrington. (Customer since May 2017)