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EMPLOYERS’ LIABILITY COVER YOU CAN RELY ON
Why Employers’ Liability Is Essential for Property Managers
Employers’ Liability Insurance (EL) is a legal requirement in the UK for any property management business employing staff. This includes office staff, site operatives, concierge teams, cleaners and contractors under your control. EL protects your business if an employee suffers an injury or illness linked to their work.
Common Employers’ Liability Risks in Property Management
- Caretaker or maintenance staff injuries while repairing building defects
- Slips, trips and falls on communal areas during inspections
- Manual handling injuries when lifting equipment or refuse
- Accidents involving contractors under your direct supervision
- Stress-related or long-term occupational illnesses
- Claims from part-time, seasonal or volunteer workers
What Does Employers’ Liability Cover?
- Compensation claims brought by employees
- Legal defence and representation costs
- Medical expenses and rehabilitation support
- Court awards and settlements
- Injury or illness caused during site visits or inspections
- Accidents involving tools, machinery or unsafe property conditions
Why Property Managers Choose Insure24
- Specialists in property management risks
- Cover tailored for block managers, agents and multi-property operators
- Fast documentation for lender or freeholder requirements
- Competitive pricing with major UK insurers
- Dedicated UK-based claims support
How to Get Employers’ Liability Insurance
- 1. Provide details of your business and employee roles
- 2. We compare quotes across major insurers
- 3. Tailor your cover limits and optional add-ons
- 4. Receive immediate confirmation of cover
FREQUENTLY ASKED QUESTIONS
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Is Employers’ Liability Insurance a legal requirement?
Yes - if your property management company employs any staff, you must legally hold at least £5 million of EL cover.
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Does EL cover contractors?
If a contractor is working under your supervision or direction, they may legally be treated as an employee - meaning EL cover must apply.
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What limit of cover do property managers normally need?
Standard EL policies cover £10 million as default - suitable for most property management and block management operations.
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Does EL cover remote or office-based staff?
Yes - EL applies to all employees regardless of where they work, including office teams and off-site property inspectors.
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Is Employers’ Liability Insurance a legal requirement?
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Does EL cover contractors?
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What limit of cover do property managers normally need?
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Does EL cover remote or office-based staff?
Related Property Management Guides
These are the strongest next pages when employers' liability needs to be fitted into the wider insurance structure around a property-management operation.
Readers here often still need to review property management insurance costs, compare liability vs PI vs package cover and property management insurance checklist before deciding how employers' liability should sit alongside public liability insurance, professional indemnity insurance or a broader commercial combined insurance route. Insure24 is an FCA authorised and regulated broker (FRN: 1008511) with access to insurer-panel options including Aviva, Allianz and Zurich where appropriate.
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More Property Management Insurance Topics
Employers' liability for property managers is usually part of a wider operating model that includes inspectors, office staff, caretakers and supervised contractors. These guides connect EL with the rest of the liability and package-cover pages.