Employer's liability insurance

Essential cover for your employees from as little as £5 a month

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If you have employees working for you on a full time or part time basis, it is a legal requirement to hold employer's liability insurance.

In the course of your business' activities, accidents can happen to employees. Tripping over a loose computer cable, slipping on a wet floor or an illness arising from their employment could see a claim brought against you.

Under UK law, a minimum of £5m worth of employer's liability insurance is compulsory if you have employees and, if you don't have cover in place for your staff, you could be fined £2,500 for every day you are uninsured.

Our employer's liability insurance covers against:

  • Injury suffered by your employees during or arising from their employment with you

  • Illness suffered by your employees during or arising from their employment with you

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Policy Documents

Cover starting at just £5 a month

Frequently asked questions

  • Do I need employer's liability insurance?

    If your organisation has employees (or volunteers), employer's liability insurance is a legal requirement. You need to have a minimum of £5m cover in place (our policy provides £10m). Without it, you could face a fine of up to £2,500 for each day you are uninsured.

    If you don't have any employees or volunteers, you are not required to have employer's liability insurance by law.

  • What kind of claims does employer's liability insurance cover against?

    Employer's liability insurance covers against a wide range of claims from injury caused to employees arising from their employment with you.

    The most common claims tend to be slips, trips and falls. An example would be if an employee tripped over a computer cable or loose floor tile and broke their arm. They are unable to work for several weeks and seek compensation for their injury from you. Employer's liability insurance covers the legal costs in defending the claim as well as any compensation payments due.


  • What's the difference between public liability insurance and employer's liability insurance?

    Public liability insurance covers against allegations of injury or illness suffered by third parties (such as members of the public or clients), or damage to third party property, as a result of your negligence. Importantly, public liability insurance doesn't cover your employees.

    Employer's liability insurance, however, covers against allegations of injury or illness suffered by employees arising from their employment with you.

    Both covers are essential if you have employees and interact with members of the public or clients.

  • What is an ERN number, and where can I find it?

    If you have registered as an employer with HMRC, you will have been assigned an ERN number (also known as your Employer PAYE Reference). You will be able to find this in your HMRC welcome pack, on your P60 and on most correspondence you receive from HMRC.

    We are required to collect this number by our regulators. ELTO (the Employer's Liability Trading Office) have created a database which enables employees to easily identify their previous employer's insurers should they need to make a claim in the future.

    If you are not registered as an employer with HMRC, you are exempt from holding an ERN number and do not need to provide one to us.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing contractors, consultants, freelancers and self-employed professionals, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £850m ($1.05 billion) in 2016.

    We're proud to have been named Claims Team of the Year at the Commercial Insurance Awards 2016. We know how much disruption a claim can bring to your life, which is why we aim to deal with all claims fairly and swiftly.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

Cover starting at just £5 a month

Cover starting at just £5 a month

More specialist cover

  • Professional indemnity insurance

    Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and any compensation or damages subsequently awarded against you. This is essential insurance if you provide advice, designs or services to your client. Cover is available with limits ranging from £50,000 to £5m.

  • Public liability insurance

    Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you regularly visit client premises as part of your consulting activities, you may need this cover. Limits range from £1m to £5m.

  • Directors and officers insurance

    Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £25,000 to £5m.

  • Office insurance

    Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property

  • Occupational personal accident

    Occupational personal accident insurance can help you maintain an income if you're accidentally injured at work.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs together with any award you are required to pay following an employment dispute, and also pays costs and expenses for certain crisis management, identity fraud, official investigation (excluding HM Revenue and Customs), corporate manslaughter, pollution and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance helps you when you're the victim of a targeted cyber attack, paying the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties.

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