What does employers’ liability insurance cover?

We provide an indemnity limit of £10 million employers’ liability cover as standard, which includes protection for the following risks:

Bullet Point

Compensation claims

No matter what type of business you run, there’s always the risk of an employee compensation claim. This cover will protect your business against claims that have been made by an employee as a result of illness or injury in the workplace, including claims made by work experience staff.

Bullet Point

Legal expenses

Hiring a solicitor can be an expensive business, and a cost you may not want to absorb in the event of an employee claim. We’ll provide cover for legal costs and expenses should you be required to defend yourself in court.

Bullet Point

Loss of income

It’s not just the legal and potential compensation costs you have to think about when it comes to employers’ liability – you may also find that your day-to-day operations suffer while dealing with the fallout of a third party claim. That’s why we'll pay for your loss of income for each day spent in court.

Public liability insurance

If you don’t have any employees, you may still need public liability insurance in place. This cover will protect you against compensation claims made by third parties and members of the public, so if you’re selling goods or services you may want to consider having some sort of protection in place.

Public liability insurance?

Employers’ liability insurance FAQs

There are lots of considerations to take into account when it comes to your business insurance. We’ve taken the time to answer your questions about employers’ liability insurance to help you better understand what cover you might need to have in place.

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 any legal costs incurred.

Insurers will issue a certificate of employers’ liability insurance noting what cover you have in place at point of purchase. You can either display a physical copy of your certificate or put it online where all of your employees can access it, such as on a SharePoint site. You must also ensure that it is available should anyone ask to see it, as you could also be fined up to £1,000 if you refuse to make it available to inspectors.

Who needs employers' liability insurance?

Or, perhaps more accurately, is employers’ liability insurance compulsory?

If you have any employees, it is a legal requirement to have employers’ liability insurance in place, and you could be fined as much as £2,500 for every day you are not properly insured. The minimum limit required legally is £5,000,000, however, the market standard is £10,000,000.

What is an Employee Reference Number (ERN)?

What do we need to know for an employers’ liability quote?

There are a number of different factors that will be taken into account when giving a quote for employers’ liability, such as the size and nature of your business. We will also need to know the following:

  • Will your employees be doing clerical or manual work?
  • How many employees do you have?
  • What is the wage role of your business?
  • Will any directors be doing clerical or manual work?
  • Will any employees be working with heat or at height?
Do I need employers’ liability insurance for volunteers?

Volunteers can be a grey area, as they can either fall under your public or employers’ liability insurance. If you’re not sure what cover you need in place for volunteers or unpaid staff, speak to one of our expert consultants on 0333 234 0021.

What optional extras are available with employers’ liability insurance?

Every business is different, which is why we make it easy for you to find flexible, affordable protection against a number of different risks. You can select the following covers when you get a quote with us: 

Public liability insurance

Protection for your business if a customer injures themselves or their property is damaged as a result of your business operations. Select the level of cover you need with levels of cover set at £1 million, £2 million and £5 million.

Business equipment insurance

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

Tools cover

This provides cover for any handheld tools or power tools in the event of loss, theft or accidental damage.

Business stock insurance

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

Contract works

Covers loss or damage to property or materials forming part of the contract works. When deciding on this cover, you should consider the conditions of cover, excesses and cover limitations or exclusions which could affect your ability to claim.

How much does employers’ liability insurance cost?

The cost of your cover will depend on a number of different factors – such as what type of business you run and how many employees you have, as well as what sorts of tasks they’ll be carrying out day-to-day. We work with a panel of leading commercial insurers to ensure we find you the right cover, at an appropriate price. If you’d like to know more, speak to one of our expert consultants.

Why Endsleigh for employers' liability insurance?

With over 25 years' experience providing insurance for businesses, our specialist UK based business insurance team can shape the right solution for you. We work closely with leading commercial insurers to provide you with flexible insurance options that are tailored to suit your business needs.

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Need help with employers' liability insurance?

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Call us on 0333 234 1447