Employers' liability insurance
Essential cover for your employees from £5 a month*
Fast, easy online quote in just 90 seconds
Interest free direct debit
No hidden fees or cancellation charges
Cover starting at £5 a month
Frequently asked questions
Does employers’ liability insurance cover staff working from home?
Your employers’ liability cover must extend to wherever your employees are working, and this includes their homes. Most policies include this cover automatically, but it is important to check the details of your policy with your insurer.
What’s the difference between employers’ liability insurance and public 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.
Do I need to tell my workers that I have employers’ liability insurance?
When you purchase or renew an employers’ liability insurance policy, your insurer will provide you with an employers’ liability certificate that states the companies covered by the policy and the minimum level of cover. You must make this certificate accessible to your workers and to the HSE.
Do I need employers' liability insurance for volunteers?
You have a duty of care to any volunteers who work for you. Insuring them against injury or illness generally falls under either employers’ liability insurance or public liability insurance - depending on the terms of these policies. Markel’s employers’ liability insurance provides liability insurance for volunteers as well as employees.
Do I need employers’ liability insurance for temporary workers?
Yes. You need this insurance any time you are responsible for members of staff, regardless of whether they are temporary, permanent, part-time or full-time.
Do company directors need employers' liability insurance?
If you’re the sole director of a limited company and have no employees, you do not need this cover. However, you may find that clients require you to hold employers' liability insurance cover as a contractual requirement. If you do not have any employees, it's worth checking with your client whether they require you to hold employers' liability insurance.
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.
What other types of business insurance might I need?
As well as employers’ liability insurance, there are a number of other forms of small business insurance that you may need. They include:
- Public and product liability insurance
- Professional indemnity insurance
- Legal expenses insurance
- Directors and officers insurance
- Office insurance
- Cyber and data risks insurance
How are Markel regulated?
Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.