Employers' Liability insurance FAQs

This insurance pays the damages, compensation, and legal costs if one of your employees, or ex-employees, claims compensation for a work-related illness or injury suffered as a result of working for your business.

Read more about the purpose of employers' insurance

If you have at least one employee, you probably need employers’ liability insurance. The minimum legal requirement is to have cover of £5 million.

Read more about employers' liability insurance for self-employed people

As an employer, you are legally responsible for the health and safety of all employees. This includes those working from home.

Read more about employers' liability insurance when working from home

Professional indemnity is not required by law, but it is recommended as the cost of a successful claim can be financially devastating.

Read more about employers' liability insurance and professional indemnity insurance

You must have cover worth at least £5 million, but many employers’ liability insurance policies provide cover up to £10 million as part of their standard cover.

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For a business hosting a one-off event, temporary cover is a common requirement. However, if your business hosts several events in a year, an annual policy will be more appropriate.

Read more about temporary employers' liability insurance

A number of factors are considered when calculating your premium, including the type of work you do, business size and claims history.

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If an employee gets injured at work or falls ill, they may have to take time off work. In more serious cases, they may need a lot of time off work. It’s possible they may even be unable to return to work at all.

Read more about employers' liability insurance and workers' compensation

Employers' liability insurance provides your business with protection should an employee successfully claim for an injury or illness suffered as a result of working for your business.

Read more about employers and public liability insurance

As soon as you employ someone, you are legally required to have employers’ liability insurance. You will also need to display your insurance certificate somewhere that is visible to and accessible by employees.

Read more about the legal requirements of employers' liability insurance