Employers’ Liability Insurance for Pubs

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Legal protection for pub owners against staff injury and illness claims

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We compare employers’ liability quotes from leading pub insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

EMPLOYERS’ LIABILITY INSURANCE FOR PUB STAFF

Running a pub involves employing bar staff, kitchen workers, cleaners, managers and casual workers. Employers’ Liability Insurance protects pub owners if an employee suffers injury or illness as a result of their work.

In the UK, Employers’ Liability Insurance is a legal requirement for most pubs that employ staff. Failure to hold valid cover can result in significant fines and personal liability.

What Does Employers’ Liability Insurance Cover?

  • Employee injury claims at work
  • Slip, trip and fall accidents involving staff
  • Manual handling injuries
  • Burns and scalds from kitchen or bar equipment
  • Illness caused by workplace conditions
  • Legal defence costs and compensation awards
  • Claims from current and former employees
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Common Employee Injury Risks in Pubs

  • Slips on wet floors behind the bar
  • Lifting heavy beer kegs or stock
  • Cuts from broken glassware
  • Burns from ovens, grills and hot surfaces
  • Repetitive strain injuries
  • Late-night fatigue-related accidents

Is Employers’ Liability Insurance Mandatory for Pubs?

Yes. Most pubs in the UK are legally required to hold Employers’ Liability Insurance with a minimum cover limit of £5 million. This applies to full-time, part-time, temporary and casual staff.

Policies must meet legal requirements and employers must display their certificate or make it available to employees.

Who Needs Employers’ Liability Insurance?

  • Traditional pubs and inns
  • Food-led and wet-led pubs
  • Pubs with live music or events
  • Community and village pubs
  • Multi-site pub operators
  • Pubs employing casual or seasonal staff

Why Arrange Employers’ Liability Insurance with Insure24?

  • Specialist pub and hospitality insurance expertise
  • Policies that meet UK legal requirements
  • Flexible cover for casual and seasonal staff
  • Competitive premiums from leading insurers
  • Claims support when incidents occur
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FREQUENTLY ASKED QUESTIONS

+-Is employers’ liability insurance legally required for pubs?

Yes. Most pubs with employees must hold employers’ liability insurance by law.

+-Does this cover casual or temporary staff?

Yes. Employers’ liability insurance covers full-time, part-time, temporary and casual employees.

+-What is the minimum legal cover limit?

The legal minimum cover limit in the UK is £5 million, although many insurers provide £10 million as standard.

+-Are volunteers covered?

Volunteers may be covered depending on policy terms and must be disclosed to insurers.

+-How quickly can employers’ liability cover start?

In many cases, cover can begin immediately once your policy is arranged and payment is confirmed.