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Employers' Liability Insurance

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What is Employers' Liability Insurance?

Employers’ Liability Insurance, for most businesses with employees, is a legal requirement. It is there to offer you protection for situations where an employee raises a claim against you.


Employers’ liability cover protects you and your business where the claim is due to an injury as a result of their work or because they became ill as a result of it. You can find out more about it on the Health and Safety Executive site.


It is not to be confused with public liability insurance or other business insurance policies you may have heard of, although some insurance providers do offer policies that cover both. However, the chances are you will need more than one insurance cover to protect your business properly. Boothby Taylor Ltd is a specialist Commercial Insurance Broker in Chelmsford and we are here to help.

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Who needs Employers' Liability Insurance?

Businesses who employ one or more members of staff need to have employers’ liability insurance as a requirement by law. Be aware of the wording and please do not assume that if you do not directly employ people you don’t need it.


If you employ someone under contract for a service, then this legislation applies to you. Whether this is employees, apprentices, temporary workers, contractors, and volunteers. It doesn’t matter if they are full-time or part-time or even freelance.

What Do You Need?

The general rule of thumb is that you are required, by law, to hold employers’ liability insurance that covers for a legal minimum £5 million but normally £10 million. There are exceptions to this, and they are public organisations and small businesses that only employ a close family member, or members.

We think you should also know that having it means that you will often be covered for the costs of defending your business against the government or regulatory bodies, such as the Health and Safety Executive if they start legal proceedings against you following an employers’ liability claim.

You also need to be aware that while it isn’t a legal requirement for sole-traders, you can still get it and, some of your customers might even request you have this insurance in place as part of a contract with you.

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What Happens Without It?

Because it is a requirement for most businesses in the UK to hold employers’ liability cover, if you do not have it then you could be fined thousands of pounds. These fines can get extremely high as you can face fines of £2,500 for each day that you don’t have the insurance in place!

Without it, you will be liable for the legal costs, legal fees, and compensation costs that result from any compensation claims. Therefore, it is important to protect your business. Get in touch with Boothby Taylor Ltd today to see how we can help with your insurance needs. As a commercial insurance broker in Chelmsford, we have been providing insurance for over 20 years. We pride ourselves on delivering first-class customer service and unbeatable rates.

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