Employer’s Liability Insurance

What is Employers' Liability Insurance?

Employers' liability insurance is a compulsory insurance for most employers. It provides cover for illness or injury to employees caused by their work. If you have one or more members of staff who work for you, even if you are a sole trader, you must have employers' liability insurance in place.

Insurance Obligations

You are obliged to be truthful with the insurer and tell them about any material facts. You must have at least £5 million of cover - this is the legally required minimum - though often you will find higher cover is provided as standard.

How much does Employers' Liability Insurance Cost?

The cost of employers' liability insurance is based on a number of factors including the industry that you operate in and number of employees.

You can pay for your insurance in one annual lump sum, or by 12 equal monthly instalments. The lump sum option is generally cheaper, whereas the monthly instalments helps to spread the cost. Policies can be paid for by direct debit, direct transfer, card and cheque.

If you have employees and want to find out if you require employers' liability insurance, or if your existing policy is up for renewal, please contact us for a competitive quote.