Employer's Liability Insurance
liabilityLegally mandatory in the UK for any business with employees. Covers claims from employees for work-related illness or injury.
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Typical Annual Premium
£80 – £600per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Employee injury claims
- ✓Occupational disease claims
- ✓Legal defence costs
- ✓Claimant's awarded damages
Key Exclusions
- ✕Claims from family members who are also directors (check policy)
- ✕Contractor disputes (covered by PLI)
How to Make a Claim
- 1
Report workplace incident in the accident book immediately
- 2
Notify insurer within 5 working days of a claim
- 3
Insurer handles investigation, legal defence, and settlement
Available In
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Get a Free QuoteFrequently Asked Questions
Is employer's liability insurance mandatory in the UK?
Yes — the Employers' Liability (Compulsory Insurance) Act 1969 requires all UK businesses with one or more employees to hold at least £5 million of employer's liability cover. The fine for non-compliance is up to £2,500 per day.