Employers Liability Insurance

If you employ anyone, even on a part time or voluntary basis, you’re legally obliged to take out Employers’ Liability Insurance. Our policies help to protect you against any unexpected compensation claims arising from employee illness or injury.

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Key policy features

  • Simple and straight forward cover.
  • Four options to choose from, with cover up to £10 million.
  • We offer a wide selection of optional extras to complement your Employers Liability Insurance.
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Why choose Business Choice Direct?

We have a team of insurance experts who will be there to ensure you get the right cover for your business insurance requirements. We offer competitive rates, ensuring you receive competitive Employer’s Liability Insurance as well as receiving fantastic customer service from our team.

If you employ your own staff or sub-contractors working under your direction, Employer’s Liability Insurance is a legal requirement. It is also a small price to pay for peace of mind when you have people working for you. If you employ staff and do not have Employers Liability Insurance you are at risk of being fined £2,500 for each day you do not have the correct insurance.*

In the event that an employee suffers injury or even death while working for you, Employer’s Liability covers you against claims from employees or their dependants.

You can have peace of mind that you and your business are fully protected.



Frequently Asked Questions need some help?

What is Employers Liability Insurance?

Employers Liability is Insurance cover which protects you against and costs of legal fees should an employee sue your business for any illness or injury which occurred when working for you. You are legally required to have correct the Liability Insurance if you have employees.

Is Employers Liability Insurance compulsory?

Yes, if you employ staff directly or use labour only sub-contractors it is a legal requirement to ensure you have Employers Liability Insurance. If you are employing a family member, it is not always compulsory to have Employers Liability Insurance, however is recommended.

Do I need Employer’s Liability Insurance for contractors and sub-contractors?

All labour only sub-contractors are your responsibility and are required to be covered by Employers Liability Insurance. Bona-fide sub-contractors, working independently, may not require cover. They will have their own Public Liability Insurance, however, you must ensure that their insurance is of an equivalent cover limit to your own policy.