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Employers' Liability Insurance

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Employers are responsible for the health and safety of their employees while they are at work.

Your employees may be injured or suffer disease whilst in your employment, or your former employees may contract a disease such as Noise Induced Hearing Loss as a result of work they undertook while in your employment.

Employers Liability insurance (EL Insurance) is a business insurance policy that covers the cost of defending or settling a claim against you from an employee who has suffered injury or disease as a result of the work they do for you.

The policy will enable you to meet the cost of compensation for your employees’ injuries or disease.

Cover can include medical costs, legal costs, and loss of incomes, as well as any other damages.

This could be an employee falling from a ladder who hasn’t received the correct training. It could also be an employee working on a production line for hours without a break. The employee may suffer a repetitive strain injury as a result.

If a former employee starts to show symptoms that have been the result of the work they performed for your business, this may also be covered. You should check your policy documents carefully to confirm this.

It is a compulsory insurance requirement under the Employers Liability Act (1969) and is a criminal offence not to carry cover if you employ staff. The legal minimum of cover is £5,000,000. Caunce O’Hara provide £10,000,000 cover as standard as part of our Business Combined insurance policy.


Who needs Employers Liability insurance?

Employers Liability cover is required by law for most businesses. You will need it if:

  • You deduct Income Tax and National Insurance Contributions from the money you pay your employees.
  • You have control over where and when your employees work.
  • You have the right to claim profit made by your employees.
  • You provide the equipment and materials your employees use.
  • You need them to perform the job you employ them for and if the employee is unable to provide a substitute if they are unable to work.
  • You have part-time or temporary employees.

Click here for a quick online employer’s liability insurance quote


Are there any exemptions from Employers Liability insurance?

Employers Liability cover is not usually required if:

  • You are a limited company with only one person employed and that person owns more than 50% of the share capital.
  • You are a sole trader (not a limited company) who is the principal of the business.
  • You work in a Partnership where the directors are equal partners and do not employ any staff.
  • You are a company where all the employees are direct family members.


What does Employers Liability insurance cost?

Employers Liability insurance costs from as little as £112.00 per annum for £10 million of EL cover and is included in our Business Combined insurance policy. The policy also includes £250,000 of Directors & Officers Liability cover (which can be extended to £1 million) and £1,000 of portable equipment insurance (which can be extended to £5,000).


What are the penalties for not having Employers Liability insurance?

If you fail to have Employers Liability insurance in place when it is legally required, you run the risk of a hefty fine. For every day that you do not carry EL insurance you can be fined up to £2,500. If you do not have a certificate of insurance that is accessible by staff or refuse to make it available to HSE inspectors when they ask for it, you can also be fined up to £1,000.


Click here for a quick online employer’s liability insurance quote


If you would prefer to speak to one of our team for a personalised public liability insurance quote please call 0333 321 1403


employers liability insurance protects your employees



People also ask…

Find out about Public Liability Insurance here.

What are the differences between Professional Indemnity Insurance and Employers Liability Insurance?

What are the differences between Public Liability Insurance and Employer’s Liability Insurance?


Our business insurance policies include:

Call one of our award-winning team today on 0333 321 1403 for a quotation and to discuss your business insurance needs or click to get a quick online quote in minutes!

Click here for a quick online small business insurance quote

Complete your cover

Make sure your business is completely protected. We can also cover you for:

  • Professional Indemnity Insurance

    Professionals should have confidence in their work, but we all know that mistakes can happen. Don’t let those mistakes ruin your freelance career with the support of comprehensive professional indemnity insurance. We offer nine choices of cover from £50,000 to £5m to protect you if a claim is made against you for a mistake that happened as a result of your work which caused your client a financial loss.
    Click here for a quick quote

  • Business Combined Insurance

    In addition to PI insurance, you can further protect your business with our business combined insurance. This package offers great value, with complete coverage for your business in one simple bundle, including:

    • Public liability insurance for £1 million, with the option to increase to £5m, if you have to visit client premises or they visit yours.
    • Employers’ liability insurance for £10 million, covering you for claims from employees for injury or illness during their employment.
    • Office contents insurance up to £5,000 to protect your office contents, computer equipment and furniture against accidental damage and theft, with optional insurance for portable equipment.
    • Directors’ and officers’ liability insurance from £250,000 if you’re held personally responsible in claims against your business by creditors, employees, customers or regulatory bodies like HMRC.

    Click here for a quick quote

  • Public Liability Insurance

    Up to £2m cover for legal fees and damages if one of your employees causes injury or damage to your customers or their business.
    Click here for a quick quote

  • Tax Enquiry & Legal Expenses Insurance & Contract Review

    Protects your business against the costs of legal action taken against you, including contract disputes, debt recovery, tax, VAT and HMRC investigations. £100,000 cover for just £75 a year.
    IR35 Contract Reviews available for only £60.00 per contract when you purchase this policy.
    Click here for a quick quote

  • Personal Accident, Sickness & Travel Insurance

    24 hours a day protection (not just while you’re at work) to cover you in case of a work accident or sickness caused by your work. Prices start from only £36.44 a month for £50,000 of cover.
    Click here for a quick quote


  • Competitive pricing
  • Dedicated handlers to assist with your queries
  • Documents issued instantly via e-mail
  • Access to your own claims team
  • Cover for legal defence costs and compensation bills
  • Monthly payments
4.8/5 4.85/5
  • "All correspondence has always been clear and reply to questions swiftly answered. Cost is very competitive. Would definitely recommend."
  • "A very helpful, kowledgable and adaptable telephone advisor enabled discussion beyond standard questions in order to secure the most approprite insurance honed to my business deeds and relevant discounts. This led to the most comptitive quote over other larger companies."
  • "Used these before then changed to another broker who could not help me with an update to my insurance. Caunce O'Hara had no problem and set up my insurance in about five minutes. Highly recommended."
  • "I have automatically renewed my indemnity insurance for several years but as I have gradually reduced work commitments I needed to discuss my options prior to making a decision about renewal.
    I found the person I dealt with very helpful and knowledgeable about my options."
  • "Insurance Renewal - Plenty of warning up front as to renewal date, requests for any changes and quote. Reminder leading to actual renewal date. New certificates available on date agreed. Can't complain at all about the service."
  • "I have been with Caunce O'Hara for almost 12 years now and am always very pleased with their service and customer support as well as the costs for the cover."
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