What is employers' liability insurance?

Employers' liability insurance covers your legal liability if an employee is injured or becomes ill as a result of their work. It covers legal defence costs and compensation claims brought by employees.

Is employers' liability insurance a legal requirement?

Yes. Employers' liability insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 for almost all UK businesses that employ staff. The minimum level of cover required is £5 million.

What happens if I don't have employers' liability insurance?

Businesses that are required to hold employers' liability insurance but do not can be fined up to £2,500 per day by the Health and Safety Executive (HSE). Displaying the certificate of insurance is also a legal requirement.

Employers Liability Insurance UK

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