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EMPLOYERS’ LIABILITY INSURANCE FOR SOFTWARE & SAAS COMPANIES
Protecting Your People in the Office, at Home and On-Site
Even in a low-physical-risk environment like a software business, you have legal duties towards your employees, and in most cases Employers’ Liability (EL) insurance is a legal requirement in the UK when you employ staff.
From developers and engineers to sales, support and leadership teams, Employers’ Liability is there to protect your business if an employee claims they’ve been injured or made ill because of their work for you – whether in the office, at home, or visiting client sites.
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What Does Employers’ Liability Cover for Software Companies?
Core protection for UK-based staff, hybrid teams and fast-growing tech businesses.
- Legal liability for employee injury or illness caused by their work
- Cover for office-based, remote and hybrid workers
- Protection for temporary, part-time and full-time staff
- Cover for directors on the payroll (where applicable)
- Legal defence costs associated with covered claims
- Compensation payments awarded to employees (within policy limits)
- Can be packaged with Public Liability & Office insurance
- Meets typical UK contractual and landlord requirements
Key Risks for Software & Technology Employers
Examples of how claims can arise, even in tech and office-based environments.
- Slips, trips and falls in the office or shared workspaces
- Injuries caused by faulty chairs, desks or office equipment
- Repetitive strain injuries from poorly configured workstations
- Accidents while travelling to client meetings or events
- Claims relating to workplace stress or mental health (where applicable)
- Injury during company events or off-site team activities
- Regulatory investigation following a serious workplace incident
Why Software & SaaS Companies Use Insure24 for EL Cover
- Understanding of hybrid, remote-first and flexible tech workplaces
- Ability to combine Employers’ Liability with Public Liability, Office & Cyber cover
- Support for UK scale-ups, start-ups and established software houses
- Insurers comfortable with co-working spaces and shared offices
- Quick documentation to satisfy landlords, investors and clients
- Guidance on how EL sits within your wider insurance programme
How to Arrange Employers’ Liability for Your Software Company
- 1. Confirm how many employees you have and their roles
- 2. Let us know where they work – office, remote, hybrid or co-working
- 3. Share your estimated wage roll and business activities
- 4. Tell us about any existing insurance and landlord/contract requirements
- 5. We obtain quotes from leading UK liability insurers
- 6. You select the option that best fits your growth plans and risk profile
SUITABLE FOR A WIDE RANGE OF TECH BUSINESSES
- SaaS businesses & cloud software providers
- Product and platform-based software companies
- Dev agencies & custom software studios
- Cyber security & data analytics firms
- Fintech, healthtech and specialist vertical software companies
- UK tech start-ups, scale-ups and established software houses
FREQUENTLY ASKED QUESTIONS
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Is Employers’ Liability a legal requirement for software companies in the UK?
In most cases yes, if you employ anyone other than a sole director with no staff.
Employers’ Liability is a legal requirement for most UK employers, including tech and software
businesses, subject to certain exemptions.
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Does Employers’ Liability cover remote workers and home-based staff?
Yes. Employees working from home or remotely are still considered employees for EL purposes,
and claims can arise from their work environment, equipment or duties.
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Is Employers’ Liability needed if we only use contractors or freelancers?
It depends how those contractors are engaged and supervised. In some cases, they may be
treated as employees in the eyes of the law. We can discuss your structure and advise what’s appropriate.
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Can Employers’ Liability be bought on its own?
Often it is packaged with Public Liability and sometimes Office/Contents insurance as a
combined policy for better value and simplicity. However, we can discuss structures that work for your business.
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How quickly can Employers’ Liability cover be arranged for a software company?
In many cases, cover can be arranged the same day, especially for early-stage or
straightforward tech businesses with clear staffing details.