Telephone iconCall UsTelephone icon0333 0146 683
Our opening hours

How much employers' liability insurance do I need?

Start your quoteLearn more
Simply Business condensed logo icon
Chevron right icon
Chevron right icon
Chevron right icon
Chevron right icon
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.

Ready to set up your employers' liability cover?

As the UK's biggest business insurance provider, we specialise in employers' liability insurance.

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter

Insurance

Public liability insuranceBusiness insuranceLandlord insuranceTradesman insuranceProfessionals' insuranceNot for profit insuranceRestaurant insuranceCommercial van insuranceInsurers

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.