What it’s for
Employee claimsDesigned for workplace injuries and illness allegations connected to employment — from on-site incidents to manual handling claims.
Employers’ liability insurance is designed to help protect your business if an employee is injured or becomes ill because of work. In many UK situations, it’s required when you employ staff — and you may need to keep proof of cover available.
Employers’ liability insurance is designed to help with claims if an employee is injured or becomes ill as a result of work. It can help with legal defence costs and compensation (subject to your policy terms, limits and exclusions).
Designed for workplace injuries and illness allegations connected to employment — from on-site incidents to manual handling claims.
If you employ people, one accident can turn into a costly claim. Employers’ liability is designed to handle the legal and compensation side.
Many businesses keep proof of cover available (often a certificate). Sites, clients or contractors may ask to see it.
Policies vary, but employers’ liability insurance commonly helps with costs if an employee claims they were harmed because of their work.
Employers’ liability is different from:
It depends on how people work for you. Here’s a practical way to think about it.
If you pay staff (full-time, part-time, temporary), employers’ liability is commonly required. If you’re hiring, sort this early.
The detail is often whether they’re labour-only or operating as an independent business. If you’re unsure, mention it when you request quotes.
If it’s just you (no employees), employers’ liability may not apply. If you bring anyone in — even casually — review it.
Submit one simple request and, where appropriate, we may introduce you to a regulated partner who can clarify what you need and provide quotes.
Quick answers to common questions.
Complete the form below. By clicking submit, you agree to be contacted by one of our partners regarding your quote.
Many UK businesses combine employers’ liability with other covers depending on how they work.
For claims from members of the public (injury or property damage) connected to your work.
For claims that your advice, design, or professional services caused financial loss.
For claims if a product you make, supply, or sell causes injury or damage.