Employers' liability insurance
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Employers' liability insurance quote
Why buy employers' liability insurance?
As an employer, it's your responsibility to look after the health and wellbeing of your workforce. And if you employ one or more people, employers' liability insurance (EL) is a legal requirement for UK companies.
Our policy automatically adds EL cover if you have employees, whether they work from home, the office or travel anywhere in the world.
10% of businesses paid £2.36 a month or less for their employers' liability cover between January and March 2023, when bought in conjunction with public liability cover.
- Covers work-related injury and illnesses
- Covers legal and compensation costs
- Compulsory for most employers
- £10 million of cover as standard
What do I need employers' liability insurance for?
Protection from workplace risks
It’s easy to worry about workplace accidents and illnesses when you’re leading a team of any size. And while you can put as many health and safety measures as you can in place, accidents can still happen.
If an employee suffers from a work-related injury or illness and wants to make a claim against you, employers' liability insurance would cover the legal and compensation costs associated with the claim.
Because it’s a legal requirement
Employers' liability insurance is a legal requirement in the UK. If you were found to have employees, but no employers' liability policy in place, you could be fined £2,500 from the Health and Safety Executive (HSE) for every day that you didn't have cover.
Once you have EL cover, it's also a legal requirement to display your policy certificate, either online or on your business' premises. If you didn't, the HSE has the power to fine you £1,000.
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.
Peace of mind
Accidents are largely out of your control, which can be a worrying thought. But employers' liability cover is there to ease those worries with cover that protects you and your business from the potentially high costs of a lawsuit and payout, if an employee tried to claim compensation.
Employers' liability insurance FAQs
What is employers' liability cover?
Employers' liability insurance provides cover for legal and compensation costs associated with a claim made against you by an employee, due to injury or illness.
What does employers' liability cover?
Employers' liability insurance protects businesses if an employee makes a claim due to workplace injury or illness. It covers the legal and compensation costs associated employee claims.
Who needs employers' liability insurance?
Employers' liability insurance is mandatory in the UK for all businesses employing one or more people. This makes is an essential cover for more businesses.
Who is usually exempt from employers' liability insurance?
Broadly speaking, businesses without employees are exempt from employers' liability insurance. There are also some companies with employees who may be exempt. For example, business that employ only close family members. It's important to check your status, as if you are required to have it but don't, you could face fines of up to £2,500 for each day you didn't have it.
How much is employers' liability insurance?
The cost of your employers' liability premium will vary depending on the number of workers you employ, the business activities carried out and the level of cover selected. Our employers' liability insurance starts from £2.36 per month.
10% of businesses paid £2.36 a month or less for their employers' liability cover between January and March 2023, when bought in conjunction with public liability cover.
How much employers' liability insurance do I need?
The minimum level of employers' liability cover required for all UK businesses with at least one employee is £5 million. Superscript offers £10 million cover as standard.
What are the risks covered by employers' liability insurance?
Employers' liability claims can arise for a number of situations. From posture issues due to uncomfortable seating, to broken bones from falls, to mental health issues caused by immense stress. Any work situation which causes an employee's injury or damage to their personal property may result in a claim against you.
What is the difference between public liability insurance and employers' liability insurance?
The difference is that public liability insurance concerns claims made by a member of the public (e.g. a customer or passerby), while employers' liability insurance concerns claims made by an employee.
If you'd like to know more, check out our guide to what is public liability insurance.
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.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.