How much employers' liability insurance do I need?

You usually need at least £5 million of employers’ liability insurance to comply with the law, but most insurers offer £10 million of cover as standard. The level of cover is in the millions because compensation claims for staff injury or illness can be very high.

In practice, most insurers will give you £10 million of cover as standard, so you don’t usually have to choose a cover level when you’re buying your employers’ liability insurance.

The law requires most employers to have at least £5 million of employers’ liability insurance, and the fine is a maximum of £2,500 for every day that you don’t have this cover. Some organisations are exempt from these rules - check the legislation for more information.

You can buy your employers’ liability cover as part of a tailored business insurance policy from Simply Business, or add it to an existing policy if you’ve recently employed your first member of staff.

Combine employers’ liability insurance with other important covers like professional indemnity insurance and public liability insurance to build a tailored policy for your business.

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