Employers' liability insurance

Our employers’ liability insurance can protect your business if any of your employees are injured when carrying out work covered by our insurance. And by law, you must have this insurance if you have any employees.

An employer and employee in their office discussing employers' liability insuranceAn employer and employee in their office discussing employers' liability insurance

Your business is growing and you’ve just taken on your first employee, and now you have to make sure your business is insured in case they injure themselves at work.

Why you need it:

  • You must have it by law if you have employees working for you, even if they’re volunteers or on work experience.
  • You could face a fine if you’re not insured.
  • You have to display a copy of the insurance certificate in your business premises if you have employees.

What it includes:
If anyone working for you is injured in an accident at work, you’ll be protected against:

  • the compensation due to the employee.
  • the legal costs that may arise.
  • the defence costs of being prosecuted under health and safety law.
  • the defence costs arising out of the Manslaughter and Homicide Act 2007.

Fast facts:
You can buy employers’ liability insurance from us if you also have our public and products liability insurance.

  • It protects you for up to £10m.
  • It insures limited liability partnerships.
  • You can also buy legal expenses insurance.

For more details, see our summary of cover document.