- Quotes from employers’ liability insurance specialists
- Cover options for businesses employing staff
- Options available for SMEs and growing organisations
- Compare employers’ liability insurance with one quick form
Employers Liability Insurance
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Why QuoteSearcher for Employers’ Liability Insurance?
Running a business involves managing people as well as processes, and one of the key times of insurance required for most UK businesses is Employers’ Liability (EL) insurance. In the UK, this cover is a legal requirement if you employ anyone at all, including full-time or part-time staff, temporary workers, volunteers, or unpaid interns.
Employers’ liability insurance may provide cover if an employee makes a claim after becoming injured or ill as a result of their work or working environment. Even where no fault is intended, claims can arise from everyday situations, and the associated legal and compensation costs can be significant. Having appropriate cover in place can help manage the financial impact of employee claims.
At QuoteSearcher, we work with brokers experienced in employers’ liability insurance and how it applies across different industries, from low-risk office environments to more hands-on or hazardous workplaces.
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Employers’ Liability Insurance Policy Features
Depending on the insurer and the nature of your business, employers’ liability insurance may include cover for:
Injury Claims
Cover that could apply if an employee is injured as a result of an accident at work and makes a claim against your business.
Illness Claims
Cover for claims relating to illnesses caused or worsened by working conditions, such as long-term exposure to hazardous substances.
Cover for All Employees
Cover for claims made by any member of staff, including temporary workers, agency staff, apprentices, and those on work experience placements.
Court Attendance Compensation
Some policies include a daily allowance if you are required to attend court as part of a claim.
Who Is Covered by Employers’ Liability Insurance?
Employers’ liability insurance typically applies to a wide range of individuals working for your business, including:
- Permanent employees
- Temporary and seasonal workers
- Casual staff
- Labour-only subcontractors
- Advisors and consultants
- Students on work placements
- Volunteers
- Marshals and event staff
Many employers also choose to arrange public liability and professional indemnity insurance alongside employers’ liability, depending on how their business operates and the risks involved.
Is Employers’ Liability Insurance Compulsory?
Yes. Employers’ liability insurance is a legal requirement for almost all UK businesses that employ staff. It applies whether you employ one person or fifty.
Failure to hold valid employers’ liability insurance can result in fines of up to £2,500 per day, which can quickly become financially damaging. More importantly, without cover in place, your business may be responsible for meeting any compensation or legal costs arising from an employee claim.
Workplace incidents can range from relatively minor accidents, such as slips or trips, to serious long-term conditions linked to occupational exposure. Regardless of severity, loss of earnings, medical costs, and legal fees may all need to be covered depending on the circumstances.
What Affects the Cost of Employers’ Liability Insurance?
The cost of employers’ liability insurance can vary depending on several factors, including:
- The number of people you employ
- The type of work your business carries out
- Your industry risk profile
- Your previous claims history
At QuoteSearcher, we take a straightforward approach. By completing a short form on our site, we connect you with specialist brokers who are experienced in arranging Employers’ Liability Insurance and can outline cover options that reflect how your business operates without you needing to approach multiple insurers yourself.
