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EMPLOYERS’ LIABILITY INSURANCE FOR RETAILERS
Why Employers’ Liability Insurance Is Essential for Shops
If you employ staff in your shop — including full-time, part-time, temporary or casual workers — Employers’ Liability Insurance is a **legal requirement in the UK**.
This cover protects your retail business if an employee suffers injury or illness as a result of their work and brings a compensation claim against you.
What Does Employers’ Liability Insurance Cover?
- Employee injury or illness claims
- Legal defence costs and compensation awards
- Accidents in shop, stockroom or warehouse areas
- Manual handling and lifting injuries
- Slips, trips and falls at work
- Claims from temporary, part-time and casual staff
- Minimum £5 million UK-compliant cover
Who Needs Employers’ Liability Insurance?
- Independent shops and high-street retailers
- Fashion, convenience and specialist stores
- Retailers with part-time or weekend staff
- Family-run shops employing relatives
- Seasonal and temporary retail businesses
Why Arrange Employers’ Liability Through Insure24?
- UK-compliant Employers’ Liability cover
- Policies tailored for retail environments
- Flexible options for small shops and chains
- Fast quotes and expert broker support
- Easy combination with other shop insurance
FREQUENTLY ASKED QUESTIONS
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Is Employers’ Liability Insurance compulsory for shops?
Yes. If you employ anyone, Employers’ Liability Insurance is a legal requirement
under UK law, with minimum cover of £5 million.
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Does it cover part-time and temporary staff?
Yes. Employers’ Liability Insurance covers full-time, part-time,
temporary, casual and seasonal employees.
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What happens if I don’t have Employers’ Liability Insurance?
You could face fines of up to £2,500 per day for not having
Employers’ Liability Insurance in place.
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Are family members working in the shop covered?
In most cases, yes — if family members are employed, Employers’ Liability
Insurance is still required.
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Can Employers’ Liability be combined with other shop insurance?
Yes. Employers’ Liability is often included as part of a
combined shop insurance policy alongside public liability and stock cover.