Employer’s liability

Essential Cover for Workplace Injuries and Illnesses

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Manufacture industry Staff Having Accident in Factory Industrial Accident

What is Employer’s Liability Insurance?

Employer’s liability Insurance protects businesses if an employee makes a claim for an injury or illness caused by their work. It covers legal costs and compensation payments, helping your business meet its obligations without facing financial hardship.

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What Does It Cover?

  • Compensation costs for workplace injuries or illnesses.
  • Legal fees if an employee or ex-employee makes a claim.

Do I Need Employer’s Liability Insurance?

Yes – It’s a legal requirement in the UK.

Under the Employer’s Liability (Compulsory Insurance) Act 1969, you must have this insurance if:

  • You employ staff (full-time, part-time, temporary, or contractors), or;
  • You have more than one director in your company.

The law requires at least £5 million of cover, and failure to comply can lead to substantial fines.

Many businesses choose up to £10 million of cover for extra protection, especially in high-risk industries or with larger workforces.

How Much Cover Do I Need?

Most businesses legally need £5 million, but higher limits are recommended for businesses with more employees or greater risk exposure.

The cost of your insurance will depend on several factors, e.g. the size of your business, the number of employees that you have and the risk of a claim. However, the best way to find out how much it will cost is to get a quick quote. You can add Employer’s Liability to your Professional Indemnity cover with Tapoly.

There is no excess payment required for our Employer’s Liability insurance. If you have any worries or concerns about anything related to a potential claim then call us to discuss it. We are here to help.

Employer’s Liability cover has no cut-off date for making claims, so as long as you have Employer’s Liability insurance cover for the whole length of time that you employ people, you will be covered for any incident that occurs during that time, regardless of how long afterwards it is brought to your attention.

Employer’s Liability insurance protects you if something happens to one of your staff.

It does not cover you for accidents involving your clients or members of the public. This would be covered by Public Liability insurance.

Need more help?

Our online quote is fast and simple but, if you need help or a wider range of policy options, our team of experts.

Call us today: 020 7846 0108

9am to 5pm Monday to Friday.

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Why choose Tapoly?

Accessible Coverage

Get the protection you need, whenever you need it, with our easy-to-use online platform.

Affordable Pricing

Designed to fit your budget, ensuring you’re protected without breaking the bank.

Flexible and tailored

Choose coverage that grows with your business, from professional indemnity to public liability and beyond.

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