Employers’ Liability Insurance for Workshops

Legally required insurance protecting workshop employers against employee injury and illness claims

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EMPLOYERS’ LIABILITY INSURANCE FOR WORKSHOPS

Employers’ liability insurance is a legal requirement for UK workshops that employ staff. It protects your business against compensation claims if an employee is injured or becomes ill as a result of their work. Insure24 arranges specialist employers’ liability cover designed for workshop environments.

What Does Employers’ Liability Insurance Cover?


  • Employee injury claims
  • Work-related illness and disease claims
  • Legal defence costs
  • Compensation awards and settlements
  • Accidents involving tools, machinery and equipment
  • Manual handling and lifting injuries
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Who Needs Employers’ Liability Insurance?


  • Workshops employing staff or apprentices
  • Family-run workshops with paid workers
  • Small and medium-sized workshop businesses
  • Workshop owners using temporary or casual labour
  • Businesses with labour-only subcontractors

Is Employers’ Liability Insurance a Legal Requirement?

Yes. In the UK, employers’ liability insurance is compulsory for most businesses with employees. Failure to hold valid cover can result in fines of up to £2,500 per day and personal liability for compensation claims.

Why Choose Insure24?

  • Workshop insurance specialists
  • Cover aligned with UK employment law
  • Competitive premiums and flexible limits
  • FCA-compliant, UK-based expert advice

FREQUENTLY ASKED QUESTIONS

+-What is employers’ liability insurance?

Employers’ liability insurance covers compensation claims from employees who are injured or become ill as a result of their work.

+-Is employers’ liability insurance mandatory for workshops?

Yes. It is a legal requirement in the UK if you employ staff, including part-time workers, apprentices or casual labour.

+-What injuries are typically covered?

Common claims include slips and trips, machinery accidents, manual handling injuries, cuts, burns and long-term occupational illnesses.

+-Do I need cover if I only employ one person?

Yes. Employers’ liability insurance is required even if you employ only one person, unless a specific exemption applies.

+-What happens if I don’t have employers’ liability insurance?

You could face fines of up to £2,500 per day and be personally liable for compensation and legal costs following an employee claim.

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