Employers' Liability Insurance

Employers' liability cover can help protect the staff in your business.

  • If you have staff employers’ liability insurance is a legal requirement
  • Legal defence costs for compensation claims from employee injuries or work-related illness if you are at fault
  • Policies to cover a wide range of businesses

Call us on 0333 060 1270 or get a quote online

A shield with a tick inside it on a big translucent blue circle
Head and shoulder view of a young man sitting beside a women while they work on something he is writing on at a desk with a blurred plant in background
If you need additional assistance arranging your insurance, find out how our teams can support

One of the UK's leading independent insurance brokers

Flexibility (1)

Easily compare quotes

From our panel of trusted brands

Trusted brand icon

Overall service rating 4.6 / 5

Based on 4321 customer reviews

Feefo Logo

Why choose employers' liability insurance with Towergate?

Clip board with a sheet with writing, tick boxes and a shield with a tick over lapping the board on the bottom right

Tailored employers' liability cover

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

A4 proportioned piece of paper with lines and a circle in the bottom right hand side

Combined public liability and employers' liability insurance package

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

Head and shoulders of a women

Cover for different types of employees in a range of 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

We offer a quick and easy Direct Debit instalment scheme so you can spread payment over ten months.

About employers' liability insurance

All UK employers are legally required to have employers' liability insurance.

Ensure your business has the correct cover in the event that one of your employees is injured as a result of your company. This insurance covers employers for up to £10 million per claim.

Get a Quote

Head and shoulders of a man in a jumper with a neck tie

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 accidents and bodily injury which are deemed to be your fault while working 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.

Certificate icon

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.

Money bag being held by one hand with another holding the neck of the top

What does employers' liability insurance cost?

Premiums are either based on a per head 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 a wide variety of professions and business types.

Flexibility (1)

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.

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 us on 0344 346 0586 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Fill in our online quote form or call us
  • Select your insurer and price
  • Relax - you're covered!
Get a Quote

Employers' liability insurance FAQs

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.

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.

If you have contracted employees you will almost certainly need employers' liability insurance. Employers can be fined up to £2500 a day whilst they don't have adequate liability cover.

There are some other occasions that are exempt but these can vary depending of the nature of the work, the relationship, the contract between you and the staff member. Always seek advice before you leave yourself, your business and your employee vulnerable.

Employers' liability insurance is most likely needed if:

    • The equipment, materials and/or work premises are owned by you.
    • You are paying national insurance for any of your staff.
    • You maintain control of where and how they perform their work.
    • They work under similar conditions and treatment to another member of staff who is covered by the insurance.

Staff who may not need employers' liability cover are:

    • You, the business owner
    • Close family members
    • Unpaid workers
    • Some independent contractors or non-exclusive workers

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.

To meet the legal requirement cover of £5 million is typically needed, but most insurers – including Towergate – will offer up to £10 million. Compensation claims for staff are often very high, which is why the insurance is compulsory.

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.

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.

Read more FAQs

Employers' liability insurance articles and guides

Covering Contractors Under Employers' Liability Insurance

As an employer you will need employers’ liability insurance. Read how to ensure your policy covers all workers that require it.

Read more

Displaying Your Employers' Liability Certificate

Find out about how and where to display your employers liability insurance certificate and the legal implications if you don't in our useful video.

Read more

What is the Difference Between Public Liability and Professional Indemnity Insurance?

What is the difference between public liability and professional indemnity insurance? We define PL and PI insurance to help you decide if your business needs them.

Read more