Employers' Liability Insurance

As a business owner you make every effort to ensure the wellbeing of your employees, let us return the sentiment.

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  • Cover for all types of employees

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Need more info? Read on to find out why so many business owners choose Towergate:

Duty of care

It is a legal requirement in the UK to have employers' liability insurance if you have any staff. This cover protects them from loss or injury while carrying out work for you. So if you have any full or part time staff, volunteers, interns, contracted or freelance workers, it’s your responsibility have the correct cover in place.

What does it cover?

Should an employee injure themselves as a result of your business you could be liable in a compensation claim against you. Our liability insurance covers up to £10 million for any one claim. Of course, not many businesses can afford this kind of claim which is why protection is required with employers' liability insurance.

What does it cost?

Our premiums start from as little as £250 and we cover employees who work abroad, from their own premises or on your customers premises. In fact as a specialist insurer we can find you cover for literally thousands of professions and business models, all with limits of cover set by you.

The full package

Employers' liability is not generally bought in isolation. This is because if you have employees you almost certainly require other business cover such as public liability (a similar cover, for the public). We specialise in business insurance of all kinds and can tailor make you a policy which includes the right levels of all types of liability and business insurance protection.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Employers' Liability Insurance Claims

Our in house care insurance claims team are on hand Monday to Friday between 9am and 5pm to support you. Furthermore, if you have a more urgent concern, we offer a 24 hour helpline.

For material damage and business interruption claims of over £5,000 you can count on our Claims Assist team. We will appoint a chartered loss adjuster specialising in the type of loss you have experienced to look after your interests and ensure the entire claims process is handled quickly, fairly and without unnecessary stress.

Call us or email us with: your policy number; a phone number to reach you on; details of your claim; and photos where possible and relevant.

0330 123 5321

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Employers' Liability Insurance FAQs

What is employers' liability insurance?

As an employer you are responsible for the health and safety of your employees whilst they are at work. Should your employees be injured at work or become ill as a result they may be able to claim compensation. The Employers' Liability Act 1969 made employer's liability insurance compulsory in the UK for most businesses with employees. Employer's liability insurance enables your business to meet the cost of compensation awarded to injured employees as well as associated legal costs.

Do I need to tell my employees that I have employers' liability insurance?

When you take out or renew a policy including employers' liability insurance with us we will provide you with a certificate of employers' liability insurance that will state the companies covered by the policy. This must be displayed where your employees can read it. You may display your certificate electronically but if you choose to do so you must ensure that your employees know how and where to find it and have reasonable access.

What happens if I do not have employers' liability insurance?

If you employ staff, you're are legally required to take out employers' liability insurance but if you fail to do so you may be fined up to £2,500 for any day which you are without suitable cover. This is enforced by the Health and Safety Executive.

Can I just take out employers' liability insurance with you?

We will only arrange your employer's liability cover when we are also insuring the public liability section. Whilst public liability insurance is not compulsory this will protect your business from claims for injury or damage from third parties other than employees.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.

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