Compare Employers' Liability Insurance

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  • All business covered from 1 to 50+ employees
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Why use QuoteSearcher?

We are a well-established company working alongside a number of specialist brokers, aimed at finding the most competitive employers’ liability insurance quotes.

We can connect you with a wide selection of brokers who will work hard to get your business.

There is no need for lengthy web searches, our partners will simply contact you and guide you through you quote process. Fill out our quick and simple form and they’ll be in touch straightaway!

The Responsible Choice

As an employer, you have a duty of care towards your employees. Employers’ liability (EL) insurance will protect you from the cost of paying or defending against a compensation claim if any employee suffers an injury or illness as a result of working for you. It will also cover you in case of a criminal prosecution if the employee suffered as a result of a law being broken or a regulation not being adhered to.

Accidents are not something anybody plans. Some might be a direct result of somebody’s negligence, like a spillage not being cleaned up properly, or they might be specifically due to the type of work you are doing, like when people who have been working with asbestos end up with mesothelioma.

If any employee decides to take legal action against you, this can have a serious impact on your own finances as well as those of your business. Whoever is responsible, an employee still has every right to make a claim. Legal fees to defend against claims can easily run into the thousands.

Employees Covered

It covers a wide variety of employees including:

  • Permanent employees
  • Seasonal or casual employees
  • Advisors
  • Labour specific subcontractors
  • Temporary staff
  • Students on work placements
  • Volunteers
  • Marshalls

We would also recommend public liability insurance and professional indemnity insurance to any employer who does not have such policies in place already.

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FREQUENTLY ASKED QUESTIONS ABOUT EMPLOYERS' LIABILITY INSURANCE

    • Do I Need Employers' Liability Insurance?
      In the UK, employers' liability insurance is a legal requirement for any business which has any employees, and the minimum level of cover is £5 million. The only exceptions to this rule are if the employee is a family member, or they are based abroad full time, otherwise EL insurance is not optional. Any business without it can be fined £2,500 per day, every day until they have the proper EL insurance policy in place. Furthermore, failure to display your insurance certificate can land you with another fine of £1,000.
    • How Much does Employers' Liability Insurance Cost?
      The price of your premium will depend on several different factors including: How many employees you have What sort of business you run Your previous insurance claims history Bigger businesses will require more cover, and will therefore pay a higher premium because there is a statistically higher chance of an employee making a claim and the insurer having to pay out.

QuoteSearcher really does make it so easy to find great deals on insurance. I completed their online form and was contacted by a number of insurers all competing to give me the best deal. This saved me so much time and money!

Paula Trencher - Islington

What a refreshing site! It actually does what it says on the label. This seems a bit of a rarity in the world of comparison sites! Well done on doing it properly.

Dr Horwell - Cheshire

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QuoteSearcher Limited is authorised by the Financial Conduct Authority. Our FCA registration number is 504796. This can also be checked by visiting www.fca.org.uk

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

Our company registration number is 05387593 with our registered office at 8 Waldegrave Road, Teddington, Middlesex, TW11 8GT.