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Employers' Liability

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Need an employers' liability insurance quote?  Let the independent specialists at your local Coversure compare their markets to find you quality EL insurance protection.  Your local Coversure office can offer you tailor-made protection, so start your quote today.

Employers' Liability

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What Is Employers' Liability Insurance?

Employers’ liability insurance – EL insurance as it’s also known – protects businesses from compensation claims from their employees should they be sued by staff for loss or injury at work. If you have any employees, be they full-time, part-time, or contracted, then having EL cover is a legal requirement.

The health and safety of your employees are essential, and you are legally required to uphold that responsibility from incidents such as:

  • Someone having an accident at work
  • A member of staff developing a medical condition owing to their job
  • One of your team having their property damaged while at work

If you’d like some advice on getting the employers’ liability cover that’s right for your business, please get in touch with your local Coversure office.  They’ll be happy to give you the help you need to keep your business and employees safe.

How Much Does Employers' Liability Cover Do You Need?

Most businesses are legally required to have £5m of cover as soon they employ their first staff member.  Depending on what your company does and its risks, you may need a higher level of protection.  An easy way to find out how much cover you need is to talk to your local Coversure office.  They’ll be happy to give you the help you need to keep your business safe and on the right side of the law.

What must Employers' Liability Insurance cover?

Your policy must:

  • Cover you for at least £5 million of liability
  • Be with an authorised insurer
  • And employers must provide a safe working environment to work in


How Much Does Employers' Liability Insurance cost?

The cost of your policy will vary depending on factors such as:

  • Your policy limits, you’ll obviously pay more for £10m than for a £5m policy
  • How many people you employ
  • The type of work you do
  • Your claims history

The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Employers’ Liability cover for you.

Employers' Liability Insurance FAQ

EL insurance can be a complex area of cover, so to help you get the protection you need, here is Coversure’s employers’ liability insurance frequently asked questions.  We hope they will be of use, but if you’d like some personalised independent advice, contact your local Coversure office

Yes.  Regardless of how many staff you have and the terms of their contract, you must have EL insurance if you employ people

Yes, you can be fined up to £2,500 per day for not having adequate EL insurance.  You can also be fined £1,000 for not displaying your employers’ liability insurance certificate or for refusing to produce it when asked to by an inspector

Getting a quote is easy; talk to your local Coversure or start your quote today

If you have any employees, then yes

You will need a minimum of £5m of cover.  Most insurers will offer cover limits up to £10m, and some, by arrangement, can go even higher

Yes, you may not need cover if you only employ family members or someone who is based abroad

Need a Employers' Liability Insurance quote?

If you’d like a Employers’ Liability Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.

Professional Indemnity

Public Liability

* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.

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