Compare employers' liability insurance

Compare employers' liability insurance policies that can cover you and your business if your staff make a claim against you.

  • Get a quote in under 5 minutes
  • Choose the level of cover you want
  • Find employer liability insurance by comparing a range of policies

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How to compare employers liability insurance


Tell us about your business

Complete our simple form with information about the cover your business needs and we will retrieve our best quotes for employers liability insurance deals


Compare your liability options

While a cheap employers liability insurance deal might catch your eye it's important to ensure the conditions offered work for your business needs.


Apply and save

Monthly and annual payment options are available - paying for the policy upfront in some cases means cheaper employer's liability insurance. Once you've reviewed the options simply apply with your chosen provider.

Why you need employers' liability insurance...

If your business employs any staff members who are not family, you legally need employers' liability insurance.

It covers compensation to employees for illness, death or injury, caused by their work for you. It also covers associated legal costs, like solicitor's fees. You need it if you employ:

  • Permanent and temporary paid staff

  • Contracted, casual or seasonal staff

  • Labour-only subcontractors

  • Volunteers

  • Work experience placements

You need a minimum of £5 million cover, but most policies include £10 million. You can also get business insurance that includes employers' liability and other types of cover.

Here is how to choose the right insurance for your business

How to get the right cover

Use our broker to get quotes for employers' liability insurance. You can then compare options to find the cover you need at the cheapest price.

Check the maximum cover options, as you may need a higher limit of cover if your employees are involved in high risk activities. For example, scaffolding or roofing work.

If you are unsure what cover you need, speak to a broker who can advise you.

What is ERN?

It stands for Employer Reference Number, and is used by insurers to trace old employers' liability policies. You have to give this to your insurer when you take out cover. It can be found on your HMRC employer's welcome pack, or on copies of employees' P45 and P60 documents.

Employers' liability FAQs

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How to claim on your business insurance

If your business suffers a financial loss, your insurance could cover the cost. Here is what you need to know about making a claim on your business insurance.

What you need to make a claim

Why get business insurance with

By getting business insurance you could save money on the policy. The best value business insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 3 March, 2022