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Employers liability insurance

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What is employers’ liability insurance?

Employers’ liability insurance is a legal requirement for most UK employers, under the Employers Liability Act 1969. It’s designed to protect you and your employees (including those who no longer work for you) if they’re injured or become unwell as a result of working for you, covering the associated legal and compensation costs, and other damages.

Additionally, it can cover accidental injury or damages caused by an employee to a third party, like your client. With Simply Business, you can buy employers’ liability insurance as part of a tailored policy, alongside public liability insurance, plus any additional covers you may need.

  • employers’ liability insurance, UK-based claims and customer service team
  • add it onto a tailored policy, alongside public liability insurance
  • quotes start at £5.52* a month based on 2021 data
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Employee insurance – what’s covered?

Employers’ or employer liability insurance can protect you against the cost of compensation claims raised by employees, if they’re injured or get sick because of your business. It’s usually a legal requirement for businesses who employ one or more people, and you risk £2,500 a day in fines for each employee not properly covered. It also works to cover damage or injuries caused to a third party, like a passer-by or client, by your employees.

  • You might claim for this if your employee accidentally injures someone, while working for you.

    What’s typically covered?

    Accidental third party injuries caused by your employees, while working for your business.

    For example:

    • your employee accidentally burns a customer’s hand while using a milk steamer in your coffee shop, and they make a claim
    • a jogger trips over some signage boards outside your shop, which your duty manager forgot to put away
  • You might claim for this if your employee accidentally damages someone’s property, while working for you.

    What’s typically covered?

    Accidental damage to third party property caused by your employees, while working for your business.

    For example:

    • your employee is presenting to a client and accidentally knocks a laptop off a desk, causing it to break
    • while working on a client’s renovation, your temporary apprentice drips paint across a newly laid carpet, which will need to be replaced
  • What does this cover?

    • accidental employee injuries or illness, which come as a direct result from working for you
    • temporary employees, as well as apprentices, contractors, and casual workers

    When would I need to make a claim?

    • for example, one of your employees develops musculoskeletal problems because of working for you, and raises a claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions


Why is employers' liability insurance important?

Employers’ liability insurance can protect you against compensation claims for:

  • employee illness or injury caused by working for you
  • medical bills and legal fees due to employee illness or injury

You're required by law to have employers’ liability cover in place if you have employees. If you don't, you could face a hefty fine of £2,500 per day, per employee, for each day that you're not covered.

Read more about what employers’ liability insurance is

How much does employee liability insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £5.52 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example employers liability insurance quotes, real prices

£88.3 /month

£784.86 /month

A large takeaway based on the high street which uses a fryer (serviced annually)

  • 1-2 years' experience
  • Sole trader
  • 2 employees
  • Based in Sunderland

Public liability

£2,000,000


Employers’ liability

£10,000,000


Tools

Not included

£59.78 /month

£531.41 /month

A small painting and decorating company who occasionally use casual workers as well as permanent employees

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Leicester

Public liability

£2,000,000


Employers’ liability

£10,000,000


Tools

£4,000

How we work out example quotes These examples are real quotes from our online system (created 14/09/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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Does employers liability insurance cover my work?

Make sure you're picking the right cover to protect your business properly. Some examples of trades we cover include:

Is your profession not listed? When you run a quote you can select your trade from over 1,000 options.


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Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£30 million in claims paid out in 2019

Paying 80% of settled claims within 24 hours in 2019

Example claim

Having employers’ liability insurance through Simply Business has saved UK businesses thousands of pounds when the unexpected happened.

James saved more than £15,000

James (not his real name) was fitting some floors with his employee, Ismail. During the job, Ismail walked across a loose floorboard and fell, causing a knee injury. The employers’ liability insurance added to his policy covered Ismail’s medical costs.

Insurance payout

£15,152

Covering the cost of employee injury


James’s costs

£0

The excess amount stated in James’s policy terms

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Employers insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about employers’ liability insurance. You can also check out our business insurance FAQs.

  • Employers’ liability insurance protects you against the cost of compensation claims that arise from employee illness or injury as a result of working for you.

    For example, if one of your employees slips and breaks their wrist at your business premises, employers’ liability insurance can cover medical bills and legal fees that can arise from a claim against you.

    Read more about what does employers’ liability insurance covers

  • This will depend on the insurer you choose to go with. When you start a quote with us, make sure you tell us how many employees you'd like to cover – we'll then match you to the insurers who are best suited to your business.

  • If you have employees, you'll usually need to have employers’ liability insurance in place – it's a legal requirement.

    You should also have cover in place if you have labour-only subcontractors (LOSCs) working for you. Our Knowledge centre has more information on subcontractors and employers’ liability insurance. If you have employees and you're not covered, you could face a hefty fine of £2,500 a day, per employee, for each day that you don't have cover in place.

    There's one exception though – if you have a family business that isn't incorporated as a limited company, you aren't legally required to have employers’ liability insurance.

    A "family business" is one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild, or half-sibling).

    So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it's important to know that your public liability insurance wouldn't cover you against damage or injury caused by your team.

    Read more about who needs employers’ liability insurance

  • If you have employees – including some subcontractors – you're required by law to have employers’ liability insurance. The only exception to this is if you're running an unincorporated family business. If you are, then you aren't legally required to have employers’ liability cover in place.

    Employers’ liability cover protects you and your employees in case they become sick or injured as a result of working for you. If you're not covered, you could be fined £2,500 per employee for each day that you don't have cover in place.

    Employers’ liability insurance must be bought alongside public liability insurance.

    If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

    Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

    Read more about employers’ liability insurance as a legal requirement

  • An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

    Insurance coverLowest excessHighest excess
    Public liability£100£2500
    Employers' liabilityNo excessNo excess
    Tools£60£500
    Stock£100£500
    Business and office equipment£50£750

    The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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Employers liability insurance

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