Employer Liability Insurance

Why do you need employers liability insurance?

If you employ staff, you're legally required to have employers liability cover in place.¹ As an employer, you're responsible for ensuring your staff are safe and well; most importantly, that they don't get sick or injured because of the work they do for you. Despite your best efforts, if one of your employees suffers an injury or becomes ill and believes it's your fault, they may try to claim compensation from you.

Workplace injuries
561,000 workers sustained a non-fatal injury according to self-reports from the Labour Force Survey in 2022/23,²and 138 were killed in work-related accidents in 2023/24.³
Employee claims
Suppose an employee or volunteer – past or present – makes a claim against you. In that case, insurance will protect you against legal costs defending a claim. It will also cover any compensation you may be required to pay.
Health and safety inspections
If you are not properly insured, fail to display the certificate or are unable to provide a certificate of insurance during health and safety inspections, you may be fined.⁴

How our liability experts can help

We have years of experience in arranging this cover for businesses of different sizes across various industries. Whether as part of a combined insurance package or a standalone policy, we can advise you on the level of cover that's right for your business and arrange the appropriate insurance.

1. hse.gov.uk/hse40.pdf
2. hse.gov.uk/causinj/index
3. hse.gov.uk/fatals
4. hse.gov.uk/hsc14.pdf