Employers’ Liability
Employers’ liability insurance protects you if someone who works for you is injured or becomes unwell because of their job.
Incidents can occur in any workplace, even when you take care with training and safety. And a simple mistake, a long-term strain or an unforeseen hazard can quickly turn into a claim.
This employer’s liability cover helps with legal representation, compensation, investigation fees, specialist advice and the broader costs that build up during a claim. It’s a legal requirement for most businesses here in the UK that employ staff and it provides valuable financial protection for organisations of all sizes.
Having this cover also shows your employees that you take their well-being seriously and supports a safer working environment that reinforces trust within your team.
All policies are arranged with FCA-authorised insurers, giving you confidence that your cover meets UK regulatory standards.
Why Choose this Cover?
This cover is there to support you if an employee says their work caused harm. Employer’s liability gives you access to legal help and the funds needed to handle a claim without placing unnecessary pressure on your business. It also keeps you in line with UK employment regulations and reinforces your commitment to a safe workplace.
Choosing a Limit
Employers’ liability insurance usually comes with a £10 million limit, which is the standard level offered in the UK. Some organisations need more, depending on the type of work they do or the requirements set out in their contracts. It’s worth checking any agreements you have so you can choose a limit that fits the risks in your workplace.
What’s Included in Our Employer’s Liability Cover?
Claims of work-related injury or illness
Protection if an employee becomes injured or unwell because of their job and holds your business responsible.
Legal defence and compensation costs
Support with solicitors, court fees, claim investigations and compensation payments.
Cover for former employees
Claims can appear after someone has left your business. Cover applies to employees from the period when the insurance was in place.
Support for training and safety-related claims
Protection if an incident arises because of allegations of inadequate training, poor procedures or workplace conditions.
Injury to non-employees
Claims from customers, visitors or the general public are handled by public liability insurance.
Deliberate acts or intentional harm
Incidents caused by purposeful wrongdoing, fraud or knowingly unsafe practices are not covered.
Fines and penalties
Regulatory fines or penalties, including those from the Health and Safety Executive, are not covered by employers’ liability insurance.
Illnesses unrelated to work
Claims that cannot be linked to employment duties or workplace conditions fall outside this cover.
Why Icon Risk
✓ Easy-to-understand advice
✓ Support directly from a broker
✓ Straightforward guidance from customer support
✓ Cover placed with FCA-authorised providers
✓ Customised cover options
✓ Fast and friendly support
✓ Fair and efficient claims handling
✓ Flexible policies for changing needs
FAQ’s
What is employers’ liability insurance?
It is a business insurance policy that protects you if an employee claims they were injured or became ill due to their work. It covers legal and compensation costs linked to that claim.
Is employers’ liability insurance a legal requirement?
Yes. Most UK employers must have at least £5 million of cover by law, although many policies provide £10 million as standard. Businesses without the required cover can face significant fines.
Who needs employers’ liability insurance?
Any business that hires staff, including full-time, part-time, temporary, contractors, apprentices and volunteers, usually needs this cover. There are limited exemptions, such as unincorporated family businesses that employ only close relatives.
What is the difference between employers’ liability and public liability insurance?
Employers’ liability covers claims from employees. Public liability covers claims from customers, visitors or members of the public. Many businesses need both.
How much cover do I need?
The legal minimum is £5 million, but most insurers provide £10 million. Some sectors or contracts may require higher limits, so it is essential to check any agreements you have in place.
Does this cover remote or home-based employees?
Yes. If someone works for you, whether at home, on-site or in an office, they can still bring a claim, and employers’ liability insurance can respond.
Can an employee claim after they leave the business?
Yes. Claims can be made long after employment has ended. Your policy must have been active during the period when the alleged incident occurred.
Does it cover stress or mental health-related claims?
It can provide coverage if an employee claims their condition was caused or worsened by their work. Each case is assessed individually and must be linked to their employment.