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Compare employers' liability insurance

If a business has employees, in most cases employers' liability cover is required by law. It protects you against any claims for compensation following an injury sustained by any of your employees whilst at work.

Despite best efforts, we all know workplace injuries can happen – the most trivial accident suffered by a member of staff could trigger demands for compensation. Without employers’ liability insurance a claim could be expensive to your business.

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your professional indemnity insurance simple and hassle free. We’re committed to finding the right risk management solutions for your business to let you work without worry and focus on what really matters – your business.

Why choose us?

  • Compare quotes from leading insurers
  • Protect your business online in minutes
  • Expert advice in just one call
  • Monthly payment options available
  • Rated 'Excellent' by customers on Feefo

We work with some of the UK's leading insurers

  • Allianz Business Insurance
  • Aviva Business Insurance
  • AXA Business Insurance
  • Covea Business Insurance
  • Hiscox Business Insurance
  • LV Business Insurance
  • NIG Business Insurance
  • QBE Business Insurance

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What is Employers' Liability Insurance?

If your company is found to be legally liable for an injury or illness suffered by an employee during their work, employers' liability insurance will cover the cost of any compensation claimed. The cover also includes any legal costs if you chose to defend your company’s position, as well as the costs and expenses incurred by the injured employee should you be found legally liable.

Do I need Employers' Liability Insurance?

Businesses are required by law to have employers’ liability insurance for people who they employ under a contract of service – which can be spoken, written, or implied.

However, family businesses that are not limited companies and employ only people directly related to the owner aren’t legally required to buy employers’ liability insurance. In addition, limited companies that are run by a sole director who also owns 50% or more of the issued share capital in the company are not required by law to have employers’ liability insurance.

How much cover will I need?

Companies must arrange cover for at least £5 million. This is referred to as the “Limit of Indemnity” (this is the maximum amount an insurer will pay out for any one claim usually within the policy year).

What risks would I be exposed to if I don’t have employers’ liability insurance?

The Health and Safety Executive (HSE) enforces the law on employers' liability insurance. HSE inspectors can check that you have it by asking to see your certificate of employers' liability insurance and other insurance details.

"The questions were straightforward and the adviser explained anything I wasn't sure of clearly. The whole process was quick and easy with an immediate quote at the end. Within about 15 minutes I had completed the questions, received my quote and my insurance was all set up. Thank You!"

Mrs Curtis Mobile Beautician, Lowestoft (Customer since January 2018)

"They were able to provide a bespoke package so that I only got cover for what I needed as opposed to all the unnecessary parts of a standard package policy. The staff were very polite and willing to listen to my needs.”"

Mr Livesey, Newsagents, Kendal (Customer since August 2017)

"Professional, efficient, friendly and thorough service. They fully understood my specific business requirements, and sorted out an insurance policy which not only exceeded my previous cover, but was also a lot cheaper."

Mr Jones, Gym/Health Club, Essex (Customer since January 2018)