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Employers Liability Insurance

Employers' Liability Insurance

With very few exceptions any business that has UK-based employees must, by law, have Employers’ Liability Insurance. Failure to purchase Employers’ Liability Insurance can result in fines as high as £2,500 for EACH DAY cover is not operative. The law also stipulates that businesses must tell its employees that cover is in place, how much cover there is and prominently display their Employers’ Liability Certificate of Cover.

Claims costs can be significant, with the costs of litigation alone often running into many £1,000s. It is vitally important that businesses get the right levels of cover. The minimum amount of cover an employer must legally hold is £5 million. For some businesses even more is advisable.

What is Employers' Liability Insurance?

Employers' Liability Insurance meets the cost of compensation for employees' injuries or illness while in the course of their work or claims for any future disease or illness that may come about as a result of their work. The law defines an employee to be anyone you:

  • Deduct national insurance and income tax from the money you pay them
  • Control when and where they work and how they do it
  • Have a right to any profit generated
  • Cannot hire a replacement if they can't work
  • Treat them in the same way as other employees, for example, anyone doing the same work under the same conditions as an employee

Who needs it?

If a business has UK-based employees it almost always needs Employers’ Liability Insurance.

Employers’ Liability Insurance can be very complex and it is not always clear who falls under the scope of the law. We have a wealth of experience in this area and have a wide range of products to choose from. For an informal discussion please call us for free on 0800 980 4738 or click here to book a call.


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