Employers’ Liability Insurance

Want to save money on your employers’ liability insurance? Let the liability insurance specialists at Coversure compare our markets to find you the employers’ liability insurance quote that’s right for you.  Call us on 01482 434343 or request a callback and let our award-winning team help you get the employers’ public liability insurance you need.

Employers’ Liability Insurance Backed By ‘Exceptional’ Service

Want to save money on your employers’ liability insurance?  Let the liability insurance specialists at Coversure compare our markets to find you the employers’ liability insurance quote that’s right for you.

Whether you need cheap employers’ liability insurance for full-time, part-time or contracted employees, call us on 01482 434343 or request a callback and let our award-winning team help you get the employers’ public liability insurance you need.

Call us today on 0800 977 6037 and let our award-winning team help you.

Call us today on 0800 977 6037 and let our award-winning team help you.

Why choose Coversure for your Employers’ Liability Insurance?

Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.  To find out more, call us on 01482 434343 or request a callback, or get your employer liability insurance quote today.

Employers’ Liability Insurance backed by ‘Exceptional’ service

Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of liability insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

What is Employers’ Public Liability Insurance?

Employers’ liability insurance – employers’ public liability insurance, EL insurance, or employer liability insurance as it’s also known – protects employers from compensation claims from their employees should they be sued by over injury, illness or damage to their property while at work.  If you have anybody working for you, be they full-time, part-time, or contracted, then having EL cover is a legal requirement.   Failure to have a policy in place can lead to a £2,500 fine for each day you are without it.  Even if the people working for you are volunteers, it’s still recommended that you have employers’ liability insurance in place as organisations have a duty of care to anyone working for them regardless of whether they are paid or not.

In law, the health and safety of your employees are essential, which is why you are legally required to protect your business from incidents such as:

  • Someone having an accident at work
  • A member of staff developing a medical condition through their work
  • One of your team members had their property damaged at work

Legally speaking, your policy must:

  • Cover you for at least £5 million of liability
  • Be through an authorised insurer

And all employers must provide a safe working environment.  Failure to have adequate employers’ liability insurance in place can result in a fine of up to £2,500 per day (Gov.co.uk).  Even failing to display your employer’s liability insurance certificate can lead to a fine of £1,000.

How to get cheaper Employers’ Public Liability Insurance

Shop around – or better still get an independent insurance broker such as Coversure to do it for you

Undertake regular risk assessments and undertake a programme of health and safety measures

Take out employers’ liability as part of a package of insurance through business or commercial combined insurance

Pay annually – paying monthly is good for cashflow but paying annually will cost you less

Increase your excess

What can Employers’ Liability Insurance cover?

Employers’ public liability insurance through Coversure can offer a range of important protections, including:

How much Employers’ Liability Insurance cover do you need?

In the UK, you are legally required to have at least £5 million of Employers’ Liability Insurance cover, meaning your policy must cover compensation claims up to that amount.  Most UK insurers will offer cover of up to £10 million and limits can go even higher for companies with a large number of employees or ones that work in hazardous industries.

The easiest way to get the right amount of employers’ public liability insurance is to get some independent advice.  To find out how much cover your organisation needs, call us on 01482 434343 or request a callback.  Our team of liability insurance specialists will be happy to get to know your needs and provide you with an employers’ liability insurance quote that’s right for you.

Call us today on 0800 977 6037 and let our award-winning team help you.

How much does Employers’ Public Liability Insurance cost?

At Coversure we don’t believe in one-size-fits-all solutions for our clients.  Instead, we’ll get to know your needs and create a package of cover that fits your requirements.  What we can say is that your employers’ liability insurance quote will depend on things like:

How many employees you have

What your business/organisation does – high-risk industries such as construction attract higher premiums

The level of cover you require, e.g. £5m, £10m, etc.

Your claims history

Your payroll amount

What risk/health and safety procedures you have in place

If you’re working with/carry hazardous goods/supplies/materials

The type of environment you’re working in, a factory, office, shop, etc.

How much does Employers’ Liability Insurance cost?

At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your employer liability insurance quote will depend on things such as…

How many employees you have

What your business/organisation does

The level of cover you need.  £5m is a legal requirement 

Your claims history

The size of your payroll

What risk/health and safety procedures you have in place

The type of environment you’re working in, a factory, office, shop, etc.

If you work with hazardous materials

Committed to finding you the protection you need

If you’d like some independent advice or an insurance quote, please call us on 01482 434343.

Committed to finding you the protection you need

If you’d like some independent advice or an insurance quote, please call us on 01482 434343.

Insurance specialists for business, property and motor

Local service – online, by phone, or in person

Help and advice to ensure you’re protected

Frequently Asked Questions

Employers’ liability insurance is a complex area of insurance and it’s vital to get it right as it’s one of the only insurance policies that is a legal requirement.  To help you get the protection that’s right for you, here are our employers’ public liability insurance frequently asked questions.  We hope they will prove helpful, but if you’d like to get some independent advice, then please call us on 01482 434343 or request a callback.  Our team of liability insurance specialists will be happy to talk you through the options to ensure you get the cover that’s right for you.

Any organisation that has employees must have at least £5m of employers’ liability insurance in place

That will depend on factors such as the size of your business,  how many employees you have, the type of work you are doing, where and for whom, and your claims history

Yes. Whether your employees are full-time, part-time, or contracted, you are legally obliged to have at least £5m of cover in place.  Failure to do so can lead to a fine of £2,500 per day

Legally, you need to have a minimum of £5m, though many firms go for £10m or even more

Someone you are working for may ask for proof of your policy.  Once you have taken out a policy with us, we can provide you with the documentation you need to prove you have public liability insurance

Yes, and the types of sickness range from anything minor to life-changing conditions, illness, disease, or even death.  These will be covered provided they were caused by you or your business.  The injured party may also claim for general damages for pain and suffering

Getting an employers’ liability insurance quote from us is easy.  You can call us on 01482 434343, request a callback or get a liability insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like

Any organisation that has employees must have at least £5m of employers’ liability insurance in place

That will depend on factors such as the size of your business,  how many employees you have, the type of work you are doing, where and for whom, and your claims history

Yes. Whether your employees are full-time, part-time, or contracted, you are legally obliged to have at least £5m of cover in place.  Failure to do so can lead to a fine of £2,500 per day

Legally, you need to have a minimum of £5m, though many firms go for £10m or even more

Someone you are working for may ask for proof of your policy.  Once you have taken out a policy with us, we can provide you with the documentation you need to prove you have public liability insurance

Yes, and the types of sickness range from anything minor to life-changing conditions, illness, disease, or even death.  These will be covered provided they were caused by you or your business.  The injured party may also claim for general damages for pain and suffering

Getting an employers’ liability insurance quote from us is easy.  You can call us on 01482 434343, request a callback or get a liability insurance quote here.  Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like