Employers’ Liability Insurance
Meet legal requirements and protect your team with cover for workplace injuries or illness.
Cover that fits the way you work
If an employee is injured or becomes ill because of their work, they may claim compensation from you. Employers’ liability insurance covers those claims and, for most UK businesses with staff, it’s a legal requirement.
Who it’s for
- Any business that employs staff, including part-time and temporary workers
- Businesses using labour-only sub-contractors
- Charities and clubs with paid staff
What a policy can cover
Every policy is different, so we’ll explain exactly what’s included, the limits and the exclusions before you decide.
Options worth asking about
Getting covered with BETR
Initial Chat
We begin with a focused call to learn about your business, uncover your challenges, and understand your goals.
Risk Review
We conduct a deep-dive into your risks and exposures.
Bespoke Quote
We search the entire market to find insurance solutions precisely tailored to your specific needs and budget.
Onboarding
You’ll receive your policy documents, a dedicated account manager, and expert guidance and ongoing support whenever you need it.
Common questions
Is employers’ liability insurance compulsory?
For most employers in the UK, yes. The Employers’ Liability (Compulsory Insurance) Act 1969 requires at least £5 million of cover, and you can be fined for not having it. Some businesses, such as some family businesses, may be exempt, so ask us if you’re unsure.
Do I need to display my certificate?
You must make your certificate available to employees, either displayed or electronically. We’ll send it to you as soon as cover starts.
Let’s find the right employers’ liability cover
Send us a few details and one of our brokers will be in touch to talk through your needs.
Prefer to talk?
Call 020 3051 6247
Email us
Employers’ Liability Insurance
Cover is subject to insurers’ acceptance, terms, conditions and exclusions. The information on this page is a general guide and isn’t advice; we’ll recommend cover based on your circumstances.