Employers' liability insurance

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

  • Fast, easy online quote in just 90 seconds

  • Interest free direct debit

  • No hidden fees or cancellation charges

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

In the course of your business' activities, accidents can happen to employees. As the employer you should ensure you are covered if during the course of their employment, a claim be brought against you for an accident suffered.

There are numerous circumstances that might require you to have legal cover, involving the possibility for illness or injury suffered by an employee, leading to a claim being brought against you. Whilst you can try to be as proactive as you can to keep your staff safe and healthy in the workplace, some situations can be entirely unpredictable.

What is employers' liability insurance?

Employers' liability insurance is a form of legal cover that employers rely on if faced with a claim from employees. The legal requirement for employers to purchase employers' liability insurance was introduced under The Employers' Liability (Compulsory Insurance) Act 1969. This Act ensures employers have a minimum level of insurance to cover claims for the cost of compensation awarded to employees.

What does employers' liability insurance cover?

Employers' liability insurance covers:

  • 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

Examples of employers' liability clams include:

  • Slips and trips. Should an employee trip over a loose computer cable or slip on a wet floor over the course of the workday, a claim could be brought against you.
  • Illness. If an employee suffers a serious illness during or arising from their employment with you, you may face a claim.

Is employers' liability insurance a legal requirement?

It is a legal requirement to have a minimum of £5m worth of employers' liability insurance if you have employees. If you don't have cover in place for your staff, you could be fined £2,500 for every day you are uninsured.

How to buy employers' liability insurance

Fill in our quick and easy quote form today to get an online quote that you can tailor to your individual needs. Receive a quote in only 90 seconds.

How much does this insurance cost?

Employers' liability insurance from Markel starts from only £5 per month, with the option to pay over 10 interest-free monthly instalments. There are no hidden fees and – should you wish to cancel a policy - no cancellation charges.

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Policy Documents

Cover starting at just £5 a month

Frequently asked questions

  • 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.

  • If I hire temp staff will I need this insurance?

    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 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?

    Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.

    We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.

    To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.

  • How are Markel regulated?

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.

Cover starting at just £5 a month

Cover starting at just £5 a month

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