Employers Liability Insurance UK
- UK Employers Liability Insurance - Get immediate online quotes for employers liability cover with our partner Midland Insurance Services - Click on the banner to be directly transferred to them for a quote
- Get the Employers Cover You Need - Many of our partners providers give £10million of cover as standard
- Health and Safety Discounts - You can often secure discounts for good health and safety practices
Do I Need Employers Liability Insurance?
The vast majority of UK businesses require employers liability insurance to operate legally. The policy covers the employer against injury or illness to an employee directly caused by their employment. This is a legal requirment for most businesses under the Employers' Liability (Compulsory Insurance) Act 1969.
Please note that if you fall into any of the following categories, please click on the following links to deal with a specialist:
If an employee of your business was to become ill or be caused an injury and it was a result of their employment, then they could pursue the matter for compensation. Employers Liability Insurance protects your business and ensures you can meet such a payout. This is different to public liability insurance which protects the public from your liabilities for injury and illness as a business, which is not compulsory for many businesses.
If you employ people, employers liability insurance is essential for your business. Click on the banner above to get a quote and you will be directed to our partner Midland Insurance Services.
Quotes for this business insurance product are provided by Midland Insurance, one of our leading UK partners. By entering your details you will be directed to Midland for the providing an empoyers liability quote.
Employers Liability Insurance and the Law
In 1969, parliament passed The Employers Liability (Compulsory Insurance) Act which made it a legal requirement for businesses to have a minimum of £5million of Employers Liability Insurance (with some exceptions) to protect their business from claims from employees for accidents or sickness caused through an employees work.
In 2005 the law was amended to exclude small companies that only employ the proprietor of the business. This exclusion works if the business owner controls more than 50% of the share capital.