Employers’ Liability Insurance for UK Businesses | SRS Insurance
Stay compliant with UK law. SRS Employers’ Liability Insurance covers compensation and legal costs if employees are injured or fall ill at work.
What Is Employers’ Liability Insurance?
Employers’ Liability Insurance is a legal requirement in the UK for any business that employs staff — whether full-time, part-time, temporary, or voluntary.
It protects your business by covering compensation claims and legal costs if an employee becomes injured or ill due to their work.
This includes injuries sustained on-site, off-site, or during work-related travel, helping your business stay compliant and financially protected.
Is It a Legal Requirement?
Yes
Under the Employers’ Liability (Compulsory Insurance) Act 1969, all employers must hold a minimum of £5 million in cover — though most policies automatically provide £10 million as standard.
Failure to have valid cover can result in fines of up to £2,500 per day.
Every business must also display a valid Employers’ Liability Certificate (digitally or physically) for inspection by the Health and Safety Executive (HSE).
Who Needs Employers’ Liability Insurance?
You must hold Employers’ Liability Insurance if you:
- Employ staff (even just one part-time worker)
- Use temps, contractors, or freelancers under your direction or supervision
- Have apprentices, trainees, or volunteers
- Pay wages, even informally
Examples include:
- Builders with a small crew
- Accountants with a receptionist
- Shops with weekend or part-time staff
- Restaurants with chefs, servers, or cleaners
- Landlords employing maintenance workers or cleaners
What Does Employers’ Liability Insurance Cover?
- Workplace injuries (e.g. slips, trips, lifting injuries)
- Illness caused by work (e.g. repetitive strain injury, respiratory issues)
- Compensation payouts and legal defence costs
- Injuries sustained during travel or off-site work
What Isn’t Covered
Employers’ Liability Insurance does not cover:
- Claims from non-employees (covered by Public Liability)
- Self-inflicted or criminal injuries
- Health & Safety fines or penalties
- Independent contractors not under your control
How Much Does Employers’ Liability Insurance Cost?
Premiums depend on factors such as:
- Number of employees
- Nature of business activities
- Claims history
- Annual turnover and payroll size
Example price guide:
- Small consultancy: £100–£200 per year
- Construction or manufacturing firm: typically £300–£1,000+ per year
SRS Insurance works with leading UK insurers to ensure you’re fully compliant and cost-effective, no matter your trade or business size.
Why Choose SRS Insurance?
- FCA-regulated, independent insurance brokers
- Specialists in commercial, trade, and SME insurance
- Access to competitive quotes from top UK insurers
- Fast setup and instant Employers’ Liability certificates
- Expert advice on compliance, risk, and cover gaps
Get a Quote Today
Stay compliant and protect your staff with SRS Employers’ Liability Insurance.
Call 01274 965791 or visit www.srs.insurance to request your personalised quote today.