Why get Employers’ Liability Insurance?
- Stay compliant: The Employers’ Liability Act 1969 requires all UK businesses with any kind of employees to have this insurance. However, an exception may be made if those working for you are direct family members.
- Stay compliant: If an employee suffers an accidental injury or illness due to their work, you’ll be covered.
- Temporary workers? No problem: We automatically cover temporary staff for up to 50 days. This is know as 50 ‘man days’ and can used as 50 days cover for one person, or 1 days cover for 50 people.
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What is employers’ liability insurance?
New to having employees? Don’t worry we’ve got the knowledge on hand to help you find the right cover! Like we said, Employers’ liability insurance is a legal requirement (even if you employ someone on a part-time or volunteering role or temporary basis). This cover ensures you can handle claims if an employee (current or former) accidentally suffers an injury or illness related to their job.
Remember: if those working for you are direct family members, you may be exempt for requiring Employers’ Liability Insurance.
Your insurer will handle claims on behalf of the insured in respect of claims raised by an employee – current or past.
How much does employers’ liability insurance cost?
Costs can vary based on unique factors for your business. Here’s a quick glance at our pricing:
* 10% of our customers paid this or less between April and June 2025..
** 10% of our customers paid from £4 for ten months between April and June 2025 after an initial deposit. Interest applicable. For more details see our terms & conditions..
Who does it cover?
Who counts as an ‘employee’ under this insurance? All of the following are covered:
- Full-time, part-time employees and volunteer roles
- Contractors
- Temporary staff
- Apprentices and volunteers
- Individuals on work experience or training schemes
What happens if I don’t get cover?
Since employers’ liability insurance is legally required, not having it means you’re breaking the law and that can lead to serious consequences:
- A fine of £2,500 for every day you’re uninsured until you sort it out.
- A £1,000 fine if you refuse to show your insurance certificate when requested by an inspector.
How are Employers’ and Public liability different?
While both cover claims for accidental injury, the key difference lies in who is covered:
| Cover | Claims from who | Claims for what? | Legal requirement? |
|---|---|---|---|
| Employers’ Liability | Employees | Accidental injury or illness due to their job | Yes |
| Public Liability | Third parties (the public) | Accidental injury or property damage | No |
Ready to get protected?
If you’re ready to secure your business, getting cover is a breeze!
Click the button below and we’ll transfer you to AXA UK, who can arrange the cover that suits your business needs. It’s simple, quick1, and can be done in just a few minutes!
Qualifiers
1 The average time taken for customers to complete an AXA Business Insurance quote online is approximately 4 minutes and 25 seconds.