Employers' Liability Insurance
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The moment you take on your first member of staff, you're legally required to have Employers' Liability insurance in place. But beyond the legal obligation, it's straightforward: if someone gets hurt or becomes ill because of work, you're responsible. This cover means that when something happens, the cost of defending a claim and compensating your employee doesn't fall on the business alone.
What This Covers
Legal defence costs if an employee brings a claim against you- Compensation awarded to employees injured at work
- Illness or health conditions caused or worsened by the working environment
- Claims from temporary, casual, and contract workers
- Historic claims from former employees relating to their time at your business
- Legal costs for defending fraudulent or exaggerated claims
What This
Does NOT Cover
Claims from self-employed contractors with no employment relationship- Injuries or illness caused by deliberate or reckless acts
- Employees based outside the UK, where separate cover may be required
- Fines and penalties imposed by regulators
Illustrative
Claim Example
Illustrative Example
A 35-person digital agency had a member of staff develop a serious repetitive strain injury after raising concerns about their workstation setup that weren't adequately addressed. The employee brought a claim alleging the business had failed in its duty of care. The Employers' Liability policy covered the full cost of legal defence and a compensation settlement of £34,000. Without cover, that would have come directly out of the business.
The right cover keeps your business protected when it matters.
Protect Your Business
Who
Needs This Insurance
Any business with one or more employees on payroll
Companies using temporary, agency, or casual staff
Businesses with remote or hybrid teams
Any growing business taking on new staff for the first time
Who Needs This Insurance
Ready to
get covered?
Get a quote for Employers' Liability cover built around your business and your team.
