Public liability insurance
Find out more
Compare quotes for employer's liability insurance from multiple providers
Employer' liability cover is a type of business insurance which protects you against the cost of compensation claims due to employee illness or injury because of their work for you.
It’s a legal requirement if your business employs one or more people, and you could be fined £2,500 for each day you’re not covered.
Even if you employ short-term, volunteer, work experience, part-time staff, casual workers or contractors, you will usually be required to have employer’s liability insurance.
You’ll need employer’s liability cover for your employees if:
Yes. But if you’re running an unincorporated family business, then you don’t legally need to have employer’s liability cover.
That's because you, as the business owner, are personally responsible and liable for what your company does and for any family members you might employ.
Policy details can vary between different insurers, but an employer's liability insurance policy should cover compensation costs if an employee becomes injured or ill due to their work, including:
Some illnesses take a while for symptoms to develop, so it’s possible that a former employee might claim compensation, even if it’s been a long time since they worked for you.
Employer’s liability insurance can cover this, but you’d need to check your policy or ask the insurer to make sure.
You don’t need employer's liability cover if one person, or an equal partnership, works at the company. That’ll be the case when:
Many public organisations, health services, and government bodies and companies which employ direct family members also won’t need employer's liability insurance.
Even though you'll have insurance, no one wants to be making claims unnecessarily. Take some steps as a good employer to protect yourself:
Find out more
Find out more
Find out more
Last reviewed: 14th September 2023
Reviewed by Holly Thomas
[1]Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com's relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites