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Employers Liability Insurance

Employers Liability from commercial insurance experts. £10m employers’ liability as standard tailored to your specific requirements and business activities

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What is Employers Liability Insurance?

Employers’ Liability cover protects both you and your employees from financial losses in the event of an accident that causes bodily injury, illness, property damage or even accidental death to an employee as part of their work for you.

Whether you’ve begun employing one or several people, you must have employers’ liability cover in place when you become an employer and throughout the time that you employ any staff by law. You must be covered for at least £5 million. Your insurer can cover compensation costs and legal fees if an employee or ex-employee sues for illness or injury caused by their work for you.

For example, a member of staff is badly injured when they trip over a trailing computer cable in the office and makes a compensation claim against the employer. The court can order the employer to pay compensation for injury, costs and other damages. This compensation amount and the legal fees can then be paid by their Employers’ Liability Insurance.

While Employers’ Liability Insurance cover can be arranged on a standalone basis, for small to medium-sized businesses it is usually more cost-effective to build into your public liability or business insurance package. The majority of Insync business insurance policies allow the addition of Employers’ Liability cover, so whether you take out Beauty Insurance, Shop Insurance, or even Medical Indemnity Insurance we can include liability for your employees as part of your package.

Business owner talking to employees in a factory setting

Why choose insync for Employers Liability insurance?

In today’s digital world, business has evolved. So, why hasn’t your insurance broker?

We’re one of the UK’s fastest-growing insurance providers, offering exclusive schemes and facilities for Beauty Professionals throughout the UK.

Say goodbye to one-size-fits-all business policies that have you paying for extras you don’t need. Farewell to the slow, outdated and inefficient way business insurance is traditionally arranged!

Employers Liability Insurance

As business insurance experts, our Employers’ Liability cover can be tailored to your specific requirements and business activities. This can include:

  • Cover for tradespersons, manufacturers, mobile or homeworkers
  • Cover for small and medium-sized businesses
  • £10,000,000 Employers Liability as standard (higher limits available on request)
  • Cover for legal fees and compensation costs
  • Partnerships, LLPs and Limited Companies
  • Legal fees and compensation award payments
  • Cover for permanent employees, subcontractors and/or temporary workers
  • Specialist or High-risk trade experts

Insync for Employers Liability Insurance

  • We compare prices and cover from leading liability insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from liability insurance specialists
  • Legal expense cover
  • Personal – Digital servicing AND your own dedicated insurance professional

Employers Liability Insurance

As business insurance experts, our Employers’ Liability cover can be tailored to your specific requirements and business activities. This can include:

  • Cover for tradespersons, manufacturers, mobile or homeworkers
  • Cover for small and medium-sized businesses
  • £10,000,000 Employers Liability as standard (higher limits available on request)
  • Cover for legal fees and compensation costs
  • Partnerships, LLPs and Limited Companies
  • Legal fees and compensation award payments
  • Cover for permanent employees, subcontractors and/or temporary workers
  • Specialist or High-risk trade experts

Insync for Employers Liability Insurance

  • We compare prices and cover from leading liability insurers
  • Instant quotations – cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from liability insurance specialists
  • Legal expense cover
  • Personal – Digital servicing AND your own dedicated insurance professional

Brilliant Agent

The agent made it very easy and efficient setting up my comprehensive insurance.

She was pleasant, polite and reassuring for a new customer like myself.

I would want her representing my company for sure.
ian Smith
Valued Customer

Look No Further, Contact Insync.

Friendly, professional and reliable. Quick response and very knowledgeable.

Great customer service all round, with services and insurance covers that will give you peace of mind.

I highly recommend them.
Darren Dibble
Valued Customer

Outstanding!

Amazing service. They kept in contact and made sure I completed everything.

Very lovely man, nice and chatty made me feel comfortable would recommend.
Demi Lambkin
Valued Customer

Exclusive FREE Benefits for all customers

At Insync, we are dedicated to delivering to our customers not only superb prices but a satisfying customer experience.

As a thank you for joining us, our customers can enjoy access to our exclusive benefits platform, Insync Benefits.

This is entirely free to our customers. Our Insync Benefits platform provides you with discounts and offers from some of the biggest high street brands.

Frequently
Asked Employers Liability Insurance
Questions

We have prepared a list of the questions we are regularly asked by customers before and after buying a policy.

If you need further help we are always happy to offer advice.

If you are running a business and employ people you will need employers’ liability by law.

The Employers’ Liability (compulsory insurance) Act 1969, makes EL cover a legal requirement in the UK for most businesses with employees. Most employers need to have employers’ liability to cover a minimum of £5 million. There is a £2,500 fine every day that you are not properly insured. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask.
The law is in place to ensure that your employees and their families get the financial compensation they deserve should they be injured while at work.

The term employee is widely defined as ‘any person who is under a contract of service or apprenticeship’ with the employer. It can include not only direct employees but also some self-employed contractors, agency workers, and students carrying out work experience.

If you are unsure, you’ll likely need employers’ liability insurance if:

  • You pay employees’ salaries and deduct tax and National Insurance
  • You supply work equipment for employees
  • Your employees generate profit for your business
  • You control, where, when and how they work

If you only use contractors or freelance professionals with their own insurance in place, you don’t need employers’ liability. You also don’t need employers’ liability if your employees are your family members (see below for a full list of exemptions) and the business is not a limited company.

To check whether you’re exempt from employers’ liability insurance see the Health and Safety Executive (HSE) website

If you are a limited company, you will need liability coverage for all your employees. However, if you are not a limited company and exclusively hire immediate family members, you may be exempt.

Family members include spouses, civil partners, children, step-children, grandchildren, grandparents, parents, step-parents, and siblings.

If you have any questions about exemptions, don’t hesitate to speak to one of our qualified team about your Employers’ Liability Insurance policy.

We understand that who is and who isn’t an employee might not always be clear-cut in a small business. While you would typically define someone as an employee if you have a contract of employment – this isn’t necessarily how you would decide if you needed EL Insurance for them or not. The HSE deems someone an employee if you do any of the following:

  • Supply their work materials
  • Control where, when or how they work
  • Treat them as you would an employee
  • Deduct National Insurance or Income Tax from their pay
  • Not allow them to send in a replacement should they not be able to carry out the work

If you have any questions regarding whether you should have Employers’ Liability cover, speak to one of our team. Our Specialist Commercial Insurance brokers will be able to arrange the right level of cover for your business to ensure you are on the right side of employment law!

While Public Liability also covers you for injury, illness and property damage claims by members of the public, it will not cover you for liability claims as a result of injury or illness to your employees. This is where employers’ liability insurance steps in.

Our Insync team can arrange Public Liability as part of your wider business cover, alongside your Employers’ Liability cover.

As every business is different, so too are the various roles an employee can undertake. The price of your employers’ liability insurance usually depends on several things, including the number of employees you have and the type of business you run. Adding employers’ liability cover to your public liability and/or professional indemnity insurance policy can be as low as £50.00 per year.

The cost of your insurance policy will also vary in line with the value of the cover you take out. Premiums are often higher in high-risk professions where your business employs people to work in more dangerous situations, such as engineers, electricians or tree surgeons.

To get an idea of how much employers’ liability will be and how much coverage you need for your business, you can speak to one of our experts today. We can build you a policy and compare prices from over 5 of the leading A-rated insurers in the UK.

Employers liability is just one of the main business insurances. It is often combined with other types of cover to make sure your business is fully protected. If you’re at the point where your business is needing employers’ liability, whether you’re starting a business or expanding an existing business, you may want to extend your insurance cover to protect your livelihood and hard work up to this point.

For instance, you might be expanding and taking on premises which need employees to run the building, this not only means you’ll need employers’ liability but also you might want to consider contents or equipment insurance and public liability insurance.

By having these main business insurances in place, you can rest assured that should anything go wrong such as accidental damage or a break-in, alternatively if an employee or ex-employee has a claim against your business you’ll be covered.