Employers Liability Insurance

Employers Liability Insurance

If you employ anyone it’s a legal requirement to have employers’ liability insurance. This helps protect you with legal defence costs and compensation claims from employee injuries or work-related illness if you are found to be at fault. We offer quotes from several insurers covering a wide range of business types and activities.

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Employers Liability Insurance


Tailored employers’ liability cover

Choose the best deal - with features to suit your business.


Combined public liability and employers' liability insurance package

We can provide a single combined liability policy for your convenience.


Cover for different types of employees and business activities.

Permanent, temporary and part-time employees as well as causal workers and labour-only contractors can be covered.

Direct Debit

Pay by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

Employers Liability Insurance

Standard cover

Necessary employers’ liability insurance

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. If you have any full or part time staff, volunteers, interns, contracted or freelance workers, it’s your responsibility to have the correct cover in place.

Cover for up to £10 million for employers’ liability claims

Should an employee injure themselves as a result of your business you could be liable in a compensation claim against you. Our employers’ 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 employers' liability insurance is a legal requirement to protect your employees

What does employers' liability insurance cost?

Premiums are either based on a per capita basis or estimated annual wages/salaries. Our premiums start from as little as £250 and we cover employees who work from their own premises or on your customers' premises or whilst temporarily abroad for non-manual sales visits. Manual work abroad can be considered on application. In fact, as a specialist commercial insurance broker we can find you cover for literally thousands of professions and business models.

Business insurance packages

Employers' liability is not generally bought in isolation and typically it will be arranged along with your Public Liability insurance. For high street shops, restaurants and offices, employers’ liability cover will be included within the basic cover section under a package policy. We specialise in business insurance of many kinds and can tailor you a policy to include public, products and employers’ liability as well as business insurance protection for your assets and property.

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 employers’ liability insurance compulsory in the UK for most businesses with employees. Employers' 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 prominently 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 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 employers' liability cover when we are also arranging
your public liability insurance, or as part of a small package business cover policy.
Whilst public liability insurance is not compulsory this will protect your business
from claims for injury or damage from third parties other than employees.


Can I pay in instalments?


If you would prefer to spread the cost of your policy you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

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

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on the claims number in your policy document / on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim