Employers’ Liability Insurance
Employers’ Liability cover for a range of services & activities from £4.71 per month.*
- Public Liability included
- Join over 150,000 customers**
- Over 3000 5* reviews
From £4.71* a month
Get a quote for employers' liability insurance
Choose the catergory that best suits your business. You will need to add Employers’ Liability Insurance, when you get a quote, based on your requirements.
Pet Business
Therapist
Hairdresser
Personal Trainer
Other business
What is Employers’ Liability Insurance?
If you employ staff – whether full-time, part-time, temporary, or even volunteers – you’re legally responsible for their health and safety while they work for you. Accidents or illnesses can still happen, and if an employee believes their injury or condition was caused by their job, they could make a claim against your business or organisation.
Employers’ Liability Insurance helps protect you by covering the costs of these claims, so one incident doesn’t put your business at financial risk. In fact, most UK businesses are required by law to have employers’ liability insurance if they employ staff.
It typically covers injury to employees caused by their work and illness or disease developed because of working conditions.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
If an employee makes a claim, Employers’ Liability Insurance can help with:
- Compensation payouts if an employee is injured or becomes ill because of their work.
- Legal costs – including defending your business in court (with the insurer’s agreement).
- Claimant’s fees and expenses, such as solicitor or court costs.
- Incidents occurring during your policy period that are connected to your business activities.
By law, UK employers must hold at least £5 million of Employers’ Liability cover (most insurers provide £10 million as standard).
Like any insurance, Employers’ Liability cover has limits. For example, it generally won’t cover:
- Claims from non-employees (these are usually covered by Public Liability Insurance).
- Injuries to employees when they are working outside the UK, unless specific arrangements have been made.
- Fines or penalties for breaching health and safety law.
For information on exclusions in your cover please refer to policy documentation.
Who needs Professional Indemnity Insurance?
If you employ staff in almost any capacity, you’ll usually need Employers’ Liability Insurance – in fact, it’s a legal requirement in the UK unless you only employ close family members or are a sole director with no employees.
Even if you only have one employee, the law still applies. Without this cover, you could face fines of up to £2,500 for every day you aren’t insured.
It’s essential cover for:
Growing companies
Such as those taking on part-time, seasonal, or temporary workers.
Charities and non-profits running events
Such as those that rely on volunteers.
Limited companies
Such as those employing directors, contractors and other employees.
Our experts explain why...
“Employers’ Liability Insurance is a legal requirement for most businesses with staff, providing crucial protection if an employee is injured or becomes ill due to their work. Without adequate cover, your business could face serious legal and financial consequences. Our policy ensures compliance and gives you the reassurance that your team—and your business—are properly protected.”
Chris Trotman, Protectivity Underwriting Manager
How much does Public Liability Insurance cost?
At Protectivity policies start at just £4.71* a month.
The cost of Employers’ Liability Insurance will depend on several factors, including:
- The number of employees you have.
- The nature of your work and its level of risk.
- Your business size, annual turnover, and claims history.
- The level of cover chosen (typically £10 million as standard).
At Protectivity, Employers’ Liability cover can be added alongside other essential protections such as Public Liability, Professional Indemnity and Legal Expenses, allowing you to tailor your policy to your business needs.
Prices from
£3.14* a month
Explainer quote
Policy cost
£3.14* a month
Policy type
Therapy Insurance
Duration
Annual
Turnover
£50,000
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Employers' Liability
£10,000,000
This example is based on a real quote from our website on 29/9/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your employers’ liability insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Is Employer’s Liability Insurance a legal requirement?
Yes. In the UK, most businesses that employ staff must have employers’ liability insurance by law. You’re legally required to hold at least £5 million of cover (most policies provide £10 million as standard). Without it, you could face fines of up to £2,500 for every day you’re uninsured.
Who is usually exempt from Employer’s Liability Insurance?
Not every business needs employer liability insurance. You may be exempt if:
- You only employ close family members.
- You are a sole director with no other employees.
- Certain public organisations, such as government departments, may also be exempt.
For the majority of businesses, however, employers’ liability insurance cover is compulsory.
Who is responsible for updating the employers’ liability register?
The employers’ liability register is maintained by insurers, and it records details of active and expired policies so that past claims can be traced. While insurers are responsible for updating it, as a business owner you must keep your employer’s liability insurance certificate accessible and up to date.
When should I get employers’ liability insurance?
You should arrange employers’ liability insurance as soon as you hire your first employee, even if they’re part-time, temporary, or a volunteer. Delaying cover could leave you exposed to claims and potential fines. Many businesses choose to arrange public liability and employers’ liability insurance together to ensure they’re fully protected before staff start work.
What is the difference between public liability and employers’ liability?
The main difference is who the cover protects:
- Employers’ liability insurance protects your business if an employee is injured or becomes ill because of their work.
- Public liability insurance covers claims made by third parties such as customers, suppliers, or members of the public.
Most small businesses need both types of cover for full protection.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 29/9/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data