Commercial Combined Insurance

Employers’ Liability Insurance (Staff / Workers)

Legally required cover for any business that employs staff. Protect your employees and your business against workplace injury or illness claims.

Manufacturers with factory, product and staff exposure should also compare manufacturing liability insurance.

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  • UK employers liability specialists
  • Staff, worker and subcontractor risk advice
  • Fast quote support
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LEGAL PROTECTION FOR BUSINESSES WITH STAFF

Why Employers’ Liability Insurance Is Essential

UK law requires any business that employs staff to hold Employers’ Liability Insurance. This protects your business if an employee becomes ill or injured as a result of their work. Claims can include medical costs, compensation payments and legal fees - all covered under a compliant Employers’ Liability policy.

What Does Employers’ Liability Insurance Cover?

Comprehensive legal and financial protection for your business and workforce.

  • Employee injury or illness claims
  • Compensation payouts
  • Medical and rehabilitation costs
  • Legal defence expenses
  • Temporary workers, apprentices & labourers
  • Part-time and seasonal staff
  • Injury from machinery or manual handling
  • Slips, trips and falls at work
  • Work-related illness or long-term conditions
  • Legal requirements for UK businesses
  • Cover for remote or hybrid workers
  • Cover for employees working off-site
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Who Needs Employers’ Liability Insurance?

Any business that employs staff must hold Employers’ Liability by law, even if workers are temporary or part-time.

Businesses That Must Have EL Insurance

  • Construction & trades businesses
  • Shops, retail, wholesalers & warehouses
  • Offices, agencies & professional firms
  • Care services & support work

Workers This Covers

  • Full-time and part-time employees
  • Apprentices and trainees
  • Temporary, agency and seasonal workers
  • Volunteers (optional cover)
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Why Choose Insure24 for Employers’ Liability?

  • Fast, compliant cover for UK employers
  • Quotes from multiple leading insurers
  • Competitive pricing for all industries
  • Support with claims and workplace incidents
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FREQUENTLY ASKED QUESTIONS

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Is Employers’ Liability Insurance a legal requirement?

Yes - almost all UK businesses with staff must hold Employers’ Liability insurance. The law requires at least £5 million of cover, though most insurers provide £10 million as standard.

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Does this cover contractors or subcontractors?

If contractors are treated like employees (i.e., working under your supervision and using your tools), they may require EL cover. Labour-only subcontractors must usually be included.

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What happens if I don’t have Employers’ Liability?

The Health & Safety Executive (HSE) can fine businesses up to £2,500 for every day they operate without Employers’ Liability insurance.

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Does EL cover employees working from home?

Yes - Employers’ Liability covers remote and hybrid workers for any injury or illness arising out of their work duties.

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Is the cover limit always £10 million?

Most insurers provide £10 million as standard. Larger or high-risk employers can request higher limits depending on requirements.

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