What does employers’ liability cover?

Employers' liability insurance can cover compensation and legal costs if an employee or former employee files a claim for a work-related illness or injury.This insurance extends to full-time and part-time employees, self-employed contractors you hire, temporary staff, apprentices, volunteers, and individuals involved in work experience or training programs.With our policy, you receive standard coverage of up to £10 million, protection against health and safety law prosecution costs, £250 per day in compensation if you need to attend court to defend a claim, and access to a 24-hour legal helpline.Furthermore, as an employer, you are responsible for ensuring coverage for employees who work from home. Our employer's liability insurance also extends to staff working from home, whether full-time or part-time, while performing tasks for your business..

How much does employers’ liability insurance cost?

Our employers' liability insurance starts at £50* – but the fastest way to find the right price for you is to get a quote online.It only takes a few minutes, and if you decide to purchase, you'll automatically receive a 10%** discount. You can also combine it with any of our core cover options or additional protection to create a tailored insurance plan.

Do I need employers' liability insurance?

No matter how careful you are, workplace injuries can occur, and with occupational diseases, claims may arise even years later. That’s why, if you employ anyone—even temporarily—employers' liability insurance is essential. It covers compensation costs and legal fees, and in most cases, it’s a legal requirement.If you don’t have employers' liability insurance, the consequences can be severe, not just from a compensation claim. If you employ even one person, including volunteers, and you’re uninsured, you could face a fine of £2,500 for each day you're without coverage.You can also give us a call and speak to one of our friendly, experienced advisors, who will help ensure you're properly covered.

What is the difference between public and employers’ liability insurance?

Public liability insurance protects your business from claims made by third parties, such as customers, clients, or members of the public. It covers accidental injuries or property damage caused by your business activities or its products.On the other hand, employers' liability insurance is a legal requirement under the Employers' Liability Act 1969 for any business with employees. It covers everyone you are responsible for, including full-time and part-time employees, volunteers, and trainees. This insurance protects them if they are injured or become ill as a result of their work for you.