Employers liability insurance quote
Employers liability insurance (EL) is a legal requirement for UK companies, even if you only hire contractors, temporary or part-time staff. Our policy automatically covers for all your employees when they work from home or travel anywhere in the world.
- Compulsory for employers
- Covers legal costs
- Work-related sickness
- Working from home
Set up your employers liability cover in less than 10 minutes as a flexible monthly subscription. Change or cancel it at any time as your business evolves.
Benefits of employers liability insurance
Protection from workplace risks
It’s easy to worry about workplace accidents and illnesses when you’re leading a team of any size. Employers liability insurance covers your legal costs and compensation should an employee make a claim against you.
It’s a legal requirement
Employers liability insurance is a legal requirement in the UK. Not having an employers liability policy in place could cost you £2,500 in fines per day from the Health and Safety Executive (HSE).
Cover from ‘compensation culture'
There has been a steep rise in ‘no win, no fee’ services over the last few years. These services make it easy for employees to make a claim against you, even if your company isn’t to blame. Employers liability insurance protects you from these kinds of claims.
Employers liability guide
Find out more about employers liability insurance, the risks it covers and what to look out for in a policy.
What is employers liability insurance?
Employers liability insurance protects you from employees’ claims that your business is responsible for their injury or illness. It covers compensation payments, legal costs and any fines you may face from the Health & Safety Executive (HSE), which is responsible for safeguarding staff in the workplace.
Who is employers liability insurance for?
Any UK business that has employees – including contractors, casual, temporary and part-time staff – requires employers liability insurance by law. The only exceptions are immediate family members and employees working abroad, although staff abroad may be covered under similar laws where they are based.
What are the risks of employers liability insurance?
Workplace risks can be minimised but not completely removed. Claims can arise from a number of reasons: posture issues from uncomfortable seating, broken bones from falls, mental health issues caused by immense stress etc.
Steps you can take to protect yourself
Comply with health and safety and risk management obligations to minimise the risk of employee injury and illness. Ensure staff are fully trained and have all the information, instructions and certifications needed to do their jobs safely and securely. And for companies with over five members of staff, it’s mandatory to have a written health and safety policy, not having one can result in a fine.
What to watch out for when choosing employers liability insurance
You can be fined as much as £2,500 per day if you don’t have employers liability (EL) 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, so employees and inspectors from the HSE can see it. 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).
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Commercial legal protection
Covers compensation awards, professional fees and legal costs associated with a range of legal disputes.
Employers liability insurance FAQs
There is no excess to pay when you make a claim on employers liability cover. Everything is handled from our side.
As soon as you take out a cover with us, we’ll send out your certificate (or a policy schedule) for each element of the cover you’ve purchased. This will show the level of cover you have, along with the start and end dates of its active period, and the costs involved.
The limit for employers liability insurance stands at a fixed amount of £10 million. Instalments for this cover can cost you as little as £7.70/month - it all depends on the size of your team and the package you choose with us.
Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.