Cover from just £6 per month
If you employ staff, employers’ liability insurance may be a legal requirement. Compare cover options for UK businesses, contractors and growing teams, helping protect against employee injury or illness claims.
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If you employ staff, even on a part-time or temporary basis, your business could be exposed to a wide range of risks. Click on each example below to see real-world scenarios where employers’ liability insurance may become essential.
On-site injuries, tools, manual labour risks
Workstations, slips, long-term injury claims
Shop floors, lifting, public interaction risks
Kitchens, burns, slips and fast-paced work
Chemicals, wet floors, repetitive strain
Heavy lifting, machinery and transport risks
If your business employs staff, employers’ liability insurance may be a legal requirement in the UK. Whether you run a small company, a growing trade business, a shop, an office-based business, a hospitality business or a larger contracting firm, this type of cover can play an important role in protecting your business against claims made by employees who say they were injured or became ill as a result of the work they do for you.
As an insurance broker, we can help you compare employers’ liability insurance quotes from insurers and specialist schemes that may be suitable for your business. Cover always depends on the insurer, your business activities, your staff setup, your claims history and the policy wording, but the sections below outline some of the main areas employers commonly look to protect.
Employers’ liability insurance is typically designed to help if an employee claims they suffered an injury because of the work they carried out for your business. This could include incidents involving slips, trips, falls, lifting injuries, machinery, tools or workplace accidents.
Some claims may relate not to a one-off accident, but to an illness or health condition said to have developed because of the employee’s work. Depending on the circumstances, this could include repetitive strain injuries, exposure-related issues or other work-related conditions.
Depending on the insurer and policy wording, employers’ liability insurance may also help with legal defence costs linked to a covered employee claim. This can be important where a claim needs to be investigated, responded to or formally defended.
Employers’ liability cover may be relevant for many types of UK businesses that employ staff, including trades, offices, retailers, hospitality businesses, warehouses, cleaning companies, property services, contractors and growing firms with mixed roles and responsibilities.
In many cases, employers’ liability insurance may be required by law if you employ staff. Exactly when this applies will depend on your business structure and employment arrangements, so it is important to understand your responsibilities and ensure the policy is suitable for your setup.
As businesses take on new employees, temporary workers, labour-only staff or seasonal team members, employers’ liability insurance can become an important part of the wider insurance setup. It may help support businesses as they grow and take on more responsibility as an employer.
Once you employ people, your business takes on legal and practical responsibilities that can create real financial risk if something goes wrong. Even well-run businesses with experienced staff, training procedures and good safety standards can face claims where an employee alleges injury or illness connected to their work. For that reason, employers’ liability insurance is often seen as one of the most important types of business insurance for companies with staff.
When people search for employers’ liability insurance, EL insurance, employee liability insurance or cheap employers’ liability insurance, they are usually looking for cover that reflects the real risks of employing people in the UK. That is why it is important to compare more than just the premium and also consider the policy limit, business activities accepted, staffing arrangements, exclusions and whether the insurer is comfortable with the type of work your employees carry out.