Employers' Liability Insurance

Competitive Cover From Your Local Independent Insurance Brokers

Need competitive, high-quality employers’ liability insurance?  Let Trisure Insurance Services compare our markets to find you great value cover.  Our friendly team of independent specialists can do the shopping around for you and find you the right cover at the right price.   Get your free, no-obligation employers’ liability insurance quote today or call (01733) 777799.

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What Is Employers' Liability Insurance?

Employers’ liability insurance – EL insurance as it’s known – protects employers from compensation claims from their employees should staff sue them for loss or injury at work.  If you have any working for you, be they full-time, part-time, or contracted, then having EL cover is a legal requirement.   Failure to have a policy in place can lead to a £2,500 fine for each day you are without it.

In law, the health and safety of your employees are essential, which is why you are legally required to protect your business from incidents such as:

  • Someone having an accident at work
  • A member of staff developing a medical condition through their work
  • One of your team having their property damaged at work

Legally speaking, your policy must:

  • Cover you for at least £5 million of liability 
  • Be through an authorised insurer

And all employers must provide a safe working environment.

If you’d like some independent EL insurance advice or would like a free, no-obligation employers’ liability insurance quote, call Trisure on (01733) 777799, and we’ll be happy to help.

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How Much Employers' Liability Cover Do You Need?

Most businesses are legally required to have £5m of cover once they employ their first staff member.  Depending on your company, you may need a higher level of protection.  Risker businesses may need £10m or even more.

How Much Does Employers' Liability Insurance Cost?

The cost of your cover will vary depending on factors such as:

  • Your policy limits, you’ll pay more for £10m than for a £5m policy limit
  • How many employees do you have 
  • The type of work your company does
  • Your claims history

Employers' Liability Insurance FAQ

EL insurance can be a complex area of cover, so to help you get the protection you need, here are our employers’ liability insurance frequently asked questions.  We hope they will help, but if you’d like some independent employers’ liability insurance advice or a free, no-obligation employers’ liability insurance quote, call us on (01733) 777799.

Yes. Regardless of how many staff you have and the terms of their contract, you must have EL insurance if you employ people
Yes, you can be fined up to £2,500 per day for not having adequate EL insurance. You can also be fined £1,000 for not displaying your employers’ liability insurance certificate or for refusing to produce it when asked to by an inspector
If you’d like a free, no-obligation employers’ liability insurance quote, call us on (01733) 777799
If you have any employees, then yes
You will need a minimum of £5m of cover. Most insurers will offer cover limits up to £10m, and some, by arrangement, can go even higher than that
Yes, you may not need cover if you only employ family members or someone who is based abroad

Get An Employers' Liability Insurance Quote

If you’d like some independent advice or a free, no-obligation employers’ liability insurance quote, call Trisure Insurance on (01733) 777799, and we’ll be happy to help.

Get A Quote
Get A Quote