Employers' liability insurance
Essential cover for your employees from as little as £5 a month
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No hidden fees or cancellation charges
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 choose Markel’s insurance?
With over 25 years of expertise insuring contractors, consultants and self-employed professionals, Markel has an unrivalled understanding of the risks that you face in the workplace.
Markel are regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which can be found on the Financial Services Register.
Markel is a division of Markel International, a Lloyd’s and London market insurer which wrote gross premium totals of ££750 million ($1.0 billion) in 2017.