Completely free of charge

    Employer’s Liability Insurance

    What does Employer’s Liability cover?

    Employer’s Liability insurance protects you if one of your employees is injured or becomes ill during the course of their work for your business. Employer’s Liability insurance covers you for the cost of legal fees and any damages or compensation payments awarded.

    EL insurance protects full and part-time employees, as well as any contractors, temporary workers or apprentices you have working for you.


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    Do I need Employer’s Liability insurance?

    Employer’s Liability insurance is a legal requirement for all businesses with employees. There are some exceptions, such as businesses that only employ members of the same family, but even then it’s advisable to have Employer’s Liability insurance in place.

    As it is a legal requirement, businesses can be fined up to £2,500 per day for each day they don’t have Employer’s Liability insurance.

    How much Employer’s Liability insurance do I need?

    The legal minimum is £5 million of Employer’s Liability insurance. However, most policies provide £10 million cover as standard. Employer’s Liability insurance is very affordable and, with soaring personal injury claims and increases in the amount of compensation awarded, we would always advise businesses to take out at least £10 million cover.


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    Please call Tom Cowap or the team on 020 8290 9080 to talk through your Employer’s Liability insurance needs. Alternatively, you can email us at

    “Every business needs to have the correct insurance cover on all aspects of their business, this is time consuming and can soon become a headache. Since working with Anthony Jones the headaches have gone and it's the good honest support from them that has ensured they have kept our business for over 15 years now.”

    James Dew, MD, Harwoods of London Ltd