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What is employers' liability insurance?

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Employers’ liability insurance is one of the main types of business insurance, and most employers are legally obliged to take out a policy. It can pay compensation costs and legal fees if an employee or ex-employee sues for illness or injury caused by their work.

At Simply Business we insure all kinds of trades like:

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

What does employers’ liability insurance cover?

Employers’ liability insurance can pay the compensation amount and legal costs if an employee claims compensation for a work-related illness or injury.

For example, an administrator is badly injured when they trip over a trailing cable in the office and makes a compensation claim against the employer or former employer. The court can order the employer to pay compensation for injury, costs and other damages. This compensation amount and the legal fees can then be paid by the employers’ liability insurance.

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Do I need employers’ liability insurance?

Most employers are required to have at least £5 million of employers’ liability cover, or face a fine of up to £2,500 per day. Some organisations are exempt from this legislation, including businesses that only employ close family members (as long as they’re not incorporated as limited companies). For more information on exemptions, check the legislation. Even if your business is exempt, employers’ liability insurance is often still a good idea, as compensation claims can be extremely high.

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How much does employers’ liability insurance cost?

The price of your employers’ liability insurance usually depends on several things, including the number of employees you have and the type of business you run.

You can find quotes from Simply Business for employers’ liability cover as part of a comprehensive business insurance policy. The best way to find out how much your insurance will cost is to run a quick business insurance quote.

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Yes, employers’ liability insurance is a legal requirement for most businesses that have employees.

The definition of ‘employee’ can be a little complicated. Labour-only subcontractors may be counted as employees for the purposes of the legislation, while bona-fide subcontractors usually aren’t included. Seek advice if you’re not sure whether employers’ liability insurance is a legal requirement for your business.

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How much employers’ liability insurance do I need?

£5 million is the minimum level of employers’ liability insurance required by law, but most insurers offer £10 million of cover as standard. You can buy employers’ liability insurance as part of your tailored business insurance policy from Simply Business, combining it with other core covers like professional indemnity insurance and public liability cover.

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Ready to set up your employers' liability cover?

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

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What is employers' liability insurance?


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