Employers' liability insurance

Comprehensive EL cover for digital businesses.

Covers claims from employees who have been injured or become ill as a result of working for you

Your team is growing.

It’s an exciting time.

Fresh faces, skills and energy. A few more pairs of hands to lighten the workload.

A valuable asset, your people are key to your success. Looking out for them makes sense, and it’s a legal requirement.

Employers liability (EL) insurance gives your team reassurance, while protecting your business. It’s a win win.

Employers' Liability Cover

from £7.90

/month 1


  • Pay by the month
  • Change your cover anytime
  • Access to specialists
  • Copyright breaches

1 Includes insurance premium tax

Why Employers' Liability Insurance?

Workplace risks

All the health and safety in the world can't protect you from workplace accidents and sickness. And if one of your staff becomes ill or injured while they're working for you, your business could be held liable. If that happens, employers' liability insurance will ensure you can defend yourself and cover any compensation costs.

It's the law

Employers' liability insurance is a legal requirement for every employer in the UK – even those who just work with contractors, casual, temporary or part-time staff. Your policy must cover you for at least £5m, and you can face expensive fines to the Health and Safety Executive if you don't have it.

Compensation culture

The rise of 'no win, no fee' services has made the chances of a facing an employers' liability claim more likely, even if your business isn't to blame. It only takes an allegation that you've done something wrong and these services make it easy for employees (and ex-employees) to take action against you.

Who needs Employers' Liability Insurance?

If you're a UK business with one or more employees – including contractors, casual, temporary or part-time staff - then employers' liability insurance is a legal requirement.

The only exceptions are immediate family members and employees working abroad, although the latter may be covered under similar laws where they are based.

Employers' Liability Insurance Guide

What is employers’ liability coverage?

Taking on employees brings a lot of responsibility, not least ensuring everybody stays safe and well while working for you. Risks are part and parcel of running a business, even if you’re office-based, which means accidents can happen and employees can suffer injury or illness, whether down to trips, slips, back-pain or repetitive strain. And if that happens, your business could be found liable, facing hefty legal costs and demands to pay compensation.

In situations like this, an employers’ liability policy is your lifeline, as it will cover the costs involved in a claim, ensuring you can defend your case and stump up any compensation payments. It will even pick up any potential fines you could face from the Health & Safety Executive, which is responsible for safeguarding staff in the workplace. Oh, and did we mention employers’ liability cover is a legal requirement? So, it should be a top priority as soon as you start building your team.

When do you need Employers Liability Insurance?

No excuses. EL is a compulsory insurance for businesses that employ one or more people, which means as soon as you take on staff, you are required to have it by law. That includes if you take on contractors, casual, part-time or temporary staff.

The only times you could be exempt is if you’re a public organisation, if you employ a family member, or have employees based abroad. Although, in the latter case, your staff may very well be covered by laws in the country where they are based. If you are a sole trader, you don’t require EL.

What are the risks?

Whatever business you’re in, employee claims can cover a whole host of workplace hazards, from broken bones caused by a fall, posture issues from bad seating or mental health issues blamed on stress or pressure. Even if you’ve done everything in your power to look after the wellbeing of your staff, sometimes events are out of your control.

We also live in the days of ‘no win no fee’ lawyers that have made it easier than ever for employees to make a claim about recent or historical issues. This compensation culture can cost businesses millions in pay-outs and legal costs, putting a serious dent in your finances and reputation.

Things you can do

To minimise the chance that you’ll face an employers’ liability claim, you need to get acquainted with your health and safety and risk management obligations. As a startup or small business in the digital, tech or media sectors, this shouldn’t be too big a task, however you should carry out a risk assessment and ensure you have taken steps to control and mitigate the most significant hazards facing your employees. If you have more than five staff you should also have a written health and safety policy. Beyond that, make sure all staff are given the training, information and instructions they need to do their job safely and effectively, and have first aid arrangements, in case an accident ever occurs on site. For more information, the Health & Safety Executive should be your first port of call.

Things to watch out for

As an employer, you can be fined as much as £2,500 per day that you go without employers’ liability insurance. When you purchase EL from a business insurance provider you’ll receive a certificate, which must be displayed either on your premises or online, where employees can find it and where it is accessible to inspectors from the HSE. Failure to do this could result in a fine of up to £1,000. Make sure your insurance cover is purchased from an authorised insurer and if you’re not sure, consult the Financial Conduct Authority (FCA), which has a list of these.

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

But don't just take our word for it. Leading digital companies, large and small, choose Digital Risks to protect their people and businesses.

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   Other insurance providers didn't really understand start-ups. We were looking for a tailored approach to suit our business needs and were recommended to Digital Risks!

CEO & Founder



Excellent 9.4 out of 10

Why you may need to review your public liability insurance

You should keep an eye on your PL cover over time, as the level you need is likely to change as your business grows and evolves. This means reviewing your needs on at least an annual basis, or you could be in for a nasty shock if anything does go wrong.

Find out more

Everything you need to know about employers' liability insurance

Define employers' liability insurance

Taking on employees brings a lot of responsibility, not least ensuring everybody stays safe and well while working for you. Risks are part and parcel of running a business, even if you're office-based, which means accidents can happen and employees can suffer injury or illness, whether down to trips, slips, back-pain or repetitive strain. And if that happens, your business could be found liable, facing hefty legal costs and demands to pay compensation. In situations like this, an employers' liability policy is your lifeline, as it will cover the costs involved in a claim, ensuring you can defend your case and stump up any compensation payments. It will even pick up any potential fines you could face from the Health & Safety Executive, which is responsible for safeguarding staff in the workplace. Oh, and did we mention employers' liability cover is a legal requirement? So, it should be a top priority as soon as you start building your team.

When is employers' liability insurance needed?

No excuses. EL is a compulsory insurance for businesses that employ one or more people, which means as soon as you take on staff, you are required to have it by law. That includes if you take on contractors, casual, part-time or temporary staff. The only times you could be exempt is if you're a public organisation, if you employ a family member, or have employees based abroad. Although, in the latter case, your staff may very well be covered by laws in the country where they are based. If you are a sole trader, you don't require EL.

What are the risks

Whatever business you're in, employee claims can cover a whole host of workplace hazards, from broken bones caused by a fall, posture issues from bad seating or mental health issues blamed on stress or pressure. Even if you've done everything in your power to look after the wellbeing of your staff, sometimes events are out of your control. We also live in the days of ‘no win no fee' lawyers that have made it easier than ever for employees to make a claim about recent or historical issues. This compensation culture can cost businesses millions in pay-outs and legal costs, putting a serious dent in your finances and reputation.

Things you can do

To minimise the chance that you'll face an employers' liability claim, you need to get acquainted with your health and safety and risk management obligations. As a startup or small business in the digital, tech or media sectors, this shouldn't be too big a task, however you should carry out a risk assessment and ensure you have taken steps to control and mitigate the most significant hazards facing your employees. If you have more than five staff you should also have a written health and safety policy. Beyond that, make sure all staff are given the training, information and instructions they need to do their job safely and effectively, and have first aid arrangements, in case an accident ever occurs on site. For more information, the Health & Safety Executive should be your first port of call.

Things to watch out for

As an employer, you can be fined as much as £2,500 per day that you go without employers' liability insurance. When you purchase EL from a business insurance provider you'll receive a certificate, which must be displayed either on your premises or online, where employees can find it and where it is accessible to inspectors from the HSE. Failure to do this could result in a fine of up to £1,000. Make sure your insurance cover is purchased from an authorised insurer and if you're not sure, consult the Financial Conduct Authority (FCA), which has a list of these.