8 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
Sort
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
92% 5 Star Customer Rating – Independent Feefo Reviews
Compare My Insurance Business Insurance
Policies for
Tradesman, Construction, Offices, Professionals, Shops, Cafes, Gyms and more
Cover options
Buildings, Contents, Legal Expenses, Business Interruption, Goods in Transit, Public Liability, Employer’s Liability, Commercial Property
Liability options
Public & employers' liability up to Unlimited
As an Online Broker, they compare AXA through to Zurich – offer the most competitive rates and INSTANT COVER. Business Insurance for; Shops, Offices, Restaurants, Gyms and all businesses - ensuring you have a suitable policy, at the right price!
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.

Explore business insurance guides

See more guides

What is business insurance?

Business insurance is essential if you run your own company, and you could be breaking the law without it. Here is how business insurance works.

Read More

How to insure your business

Whether you are a sole trader or you own a large company, business insurance is a must. Here is why you need insurance and how to get the right cover.

Read More

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.

Read More

Why compare business insurance with money.co.uk?

By comparing 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.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.