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Best Newcomer: Insurance Choice Awards 2019
Superscript Business Insurance
Policies for
IT & Tech, Marketing, Consultants, Trades, Healthcare workers, Creatives & more
Cover options
Buildings, contents, professional indemnity, cyber, D&O, legal expenses & more
Liability options
Public liability up to £5,000,000 & employers' liability up to £10,000,000
Award-winning business insurance for today's risks (Best Newcomer at the Insurance Choice Awards 2019). Pay by month. Adjust your cover as you grow. No admin fees. Immediate access to your policy docs. This is business insurance on your terms.
Eligibility
Available online
Permanent UK Resident
Premierline Business Insurance
Policies for
Tradesman & contractors, Shops & retailers, Offices, Surgeries & more
Cover options
Buildings, contents, business interruption, professional indemnity & more
Liability options
Public & employers' liability up to £10,000,000
Premierline works with some of the UK’s most trusted insurers. Compare and buy insurance online or alternatively, speak to an advisor over the phone for insurance recommendations based on your individual circumstances and requirements.
This is an insurance broker.
Eligibility
Available online
Permanent UK Resident
Prefer to Call? Contact us now on 0800 035 9662
Bionic Business Insurance
Policies for
Shops, Restaurants, Pubs and Hotels, Property Owners, Tradesmen and Construction, Offices & more
Cover options
Buildings, contents, legal expenses, business interruption, goods in transit and commercial property
Liability options
Public & employers' liability up to £10,000,000
Bionic works closely with a range of insurers to find cover that meets the unique needs of your business. We’ll help you understand exactly what your policy includes and translate it into simple language. No hidden extras. No jargon. Just quality cover.
Eligibility
Available online
Permanent UK Resident
10% discount when you buy online - T&Cs apply
AXA Business Insurance
Policies for
UK micro business, sole traders, self-employed, tradespeople, professionals, retail & more
Cover options
Contents, employers’ liability, public liability, professional indemnity & more
Liability options
Public liability up to £5,000,000 & employers' liability up to £10,000,000
With AXA Business Insurance, you only pay for what you need. Guided quotes make it easy to tailor our insurance to fit the work that you do. Start protecting your business today and get a 10% online discount. T&Cs apply.
Eligibility
Available online
Permanent UK Resident

Compare another type of business insurance

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 this comparison 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

It is based on how many employees you have, your turnover, and the type of business you run. The higher these things are, the more you will pay.

No, you do not have to pay an excess to claim on your employers' liability insurance.

Yes, you need it if you have paid or voluntary staff, apprentices, or work experience placements.

You are legally required to have at least £5 million, but you may need a higher limit. Speak to a broker if you are unsure what cover you need.

It usually lasts 12 months, with the option to renew at the end of the policy. Your insurer will contact you 30 days before your policy is due to end.

You will be breaking the law, and your business could be fined up to £2,500 for every day you do not have insurance.