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Employers' Liability Insurance
If you have any employees then you are required by law to hold employers' liability insurance, you may hear this being called 'EL' insurance. Employers' liability insurance is usually bought in addition to Public Liability Insurance, you can get a quote and get your policy in place immediately via our online system.
What is employers’ liability insurance?
Employers Liability enables you to meet the cost of damages and legal fees for employees who are injured or fall ill at work through fault of the employer. The minimum requirement is usually £5 million for employers' liability insurance or you could face fines of up to £2,500 per day. Although not all business and organisations need to hold employers' liability insurance its always good practice to check and get the right insurance cover in place. You can check the legislation by clicking here.
Most employers are legally obliged to take out employers' liability insurance, successful claims cover compensation costs and legal fees for when an employee sues for illness or injury, this includes ex-employees.
It is important to know that employers' liability insurance cannot be purchased as a standalone policy. This means it needs to be bought in conjunction with Public liability insurance or added onto a combined policy of Professional Indemnity and Public Liability.
How much employers’ liability insurance do I need?
The minimum limit of employers' liability insurance is £5 million, but most insurers offer coverage at £10 million as a standard limit. Professional Insurance Agents can offer bespoke insurance policies combining Professional Indemnity and Public Liability. If you would like to speak to a broker, please get in touch.