Employers’ liability insurance provides protection to businesses against claims from employees who suffer injury, illness, or disease as a result of their work. It covers legal costs, compensation payments, and associated expenses, helping businesses comply with UK legal requirements and maintain financial stability.
SynergiseUK works with specialist insurers to provide policies tailored to all types of businesses, from small enterprises to large organisations.
Who Is It For
Employers’ liability insurance is suitable for:
- Businesses of all sizes with employees
- Companies hiring temporary or contract staff
- Organisations in offices, industrial premises, or remote sites
- Property owners who are a Homeowner (Homeowner), Landlord (Landlord), or Tenant (Tenant) employing staff on their premises
- Businesses involved in Buying (Buying) or Selling (Selling) with employees engaged in operational roles
What Does It Cover
Employers’ liability insurance typically includes:
- Legal liability for employee injury, illness, or disease sustained at work
- Compensation payments and settlements
- Legal costs for defending claims
- Optional coverage for temporary, casual, or contract staff
- Protection for claims arising from workplace negligence or breach of statutory duty
We have lsited below the key elements of cover:
- Cover for injury or death of an employee whilst performing duties for your business and may be a legal requirement depending on your circumstances
- Competitive rates
- Instant cover with documents issued immediately
- Monthly or annual payment options
- UK based team to assist you
- Option to purchase Tools in Transit cover and other great value add ons
- Cover for £10M, meeting any statutory requirement
- Optional cover for multiple trades/business activities
Why Choose This Insurance
- Complies with UK legal requirements for employing staff
- Protects your business from costly employee claims
- Covers both on-site and off-site work activities
- Peace of mind for business owners and directors
- Access to expert claims support and legal guidance
Important Considerations
- Employers’ liability insurance is a legal requirement in the UK for businesses with employees
- Review policy limits to ensure sufficient coverage for your workforce
- Ensure all employees, including temporary or contract staff, are included
- Check exclusions for high-risk activities or specific roles
- Maintain compliance with health and safety regulations to prevent claims
Protect Your Employees Today
Safeguard your business and staff with employers’ liability insurance.
SynergiseUK partners with experienced insurers providing employers’ liability cover tailored to all UK businesses and sectors.
Frequently asked Q&A's
Employers’ Liability Insurance protects businesses against claims from employees who suffer injury or illness as a result of their work, covering compensation costs and legal fees.
By law, all UK businesses with employees must have Employers’ Liability Insurance, including full-time, part-time and temporary staff.
It covers compensation claims, legal costs, and defence fees if an employee is injured, becomes ill or makes a claim due to work-related activities.
Yes, Employers’ Liability Insurance is mandatory under the Employers’ Liability (Compulsory Insurance) Act 1969 for businesses with staff.
Claims include accidents at work, occupational diseases, repetitive strain injuries, stress-related illness and other work-related injuries or illnesses.
Yes, most policies include coverage for temporary, agency or casual workers, but you should confirm with your insurer.
Yes, Employers’ Liability Insurance covers legal fees and costs associated with defending employee compensation claims.
Sole traders without employees do not require Employers’ Liability Insurance, but it is necessary if you hire staff.
The minimum legal cover in the UK is £5 million, but many policies offer £10 million or more depending on industry risk and insurer requirements.
Policies generally exclude intentional acts, criminal activity, fraud, or claims from contractors or self-employed individuals not on your payroll.
Premiums vary based on industry, number of employees, payroll size and risk exposure, with high-risk sectors paying more than low-risk sectors.
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