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Employers' liability insurance

Cover that protects against the cost of defending or settling claims that arise from employee injury or illness in the workplace.

What is employers’ liability insurance?

Employers’ liability insurance protects employers from financial losses that may occur if an employee experiences an injury or illness in the workplace and seeks to claim compensation.

It will also provide cover for legal costs and compensation claims.

What does employers’ liability cover?

Where options are selected, employers’ liability insurance can provide cover for:

  • Compensation claims that have been made by an employee as a result of illness or injury in the workplace.
  • Compensation claims made by work experience staff.
  • Legal costs and expenses should you be required to defend yourself in court.
  • Loss of income for each day spent in court.

Who needs employers’ liability insurance?

If your business employs one or more people then employers’ liability insurance is a legal requirement. The minimum level of cover required by law is £5 million and not having it can result in hefty fines, so it’s important to make sure you’re protected.

Protection for your business

Tailor your insurance policy to suit your business needs.

  • Public liability insurance

    Protection for your business if a customer injures themselves or their property is damaged as a result of your business.

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  • Business equipment insurance

    If your business relies on any special equipment, business equipment insurance can protect it from damage, theft and loss. 

  • Business stock insurance

    If your business keeps stock on the premises, business stock insurance can protect it from damage, theft and loss.

Insurance built for your business

For a policy that’s tailored to your business, choose the cover you need from our panel of insurers.

Office and surgery insurance

Cover to meet the specific needs of your business and provide protection for your office or surgery.

Cover to meet the specific needs of your business and provide protection for your office or surgery.

Pub and restaurant insurance

Cover that protects your food or drink based business whether it's a pub, a restaurant or a takeaway. 

Cover that protects your food or drink based business whether it's a pub, a restaurant or a takeaway. 

Shop insurance

Shop insurance protects all types of retail businesses, from department stores to newsagents.

Shop insurance protects all types of retail businesses, from department stores to newsagents.

Management consultants insurance

Management consultants insurance is tailored to suit the specific needs of your consultancy business.

Management consultants insurance is tailored to suit the specific needs of your consultancy business.

Contractors insurance

Cover for contractors that provides protection tailored to your business needs. 

Cover for contractors that provides protection tailored to your business needs. 

IT industry insurance

Whether you're a developer, a programmer, or a web designer, IT industry insurance has got you covered. 

Whether you're a developer, a programmer, or a web designer, IT industry insurance has got you covered. 

Contact & help

If you've got a question and can't find what you're looking for on our site, get in touch.

Why Endsleigh?

Expertise

With over 25 years' experience providing insurance for businesses, our specialist UK based business insurance team can shape the right solution for you.

Products and services

In addition to business insurance, we’re also a provider of great value car insurance, travel insurance, gadget insurance, landlord insurance and more. 

Partners

We work closely with leading business insurers including Hiscox, Zurich, NIG and Allianz to provide you with flexible insurance options that are tailored to suit your business needs.