Employers’ Liability Insurance

Protect your business interests. We provide competitively-priced cover for a broad range of businesses, no matter the size or complexity.

What is employers’ liability insurance?

Employers’ liability insurance can compensate your business should an employee become injured or ill as a result of their work. Your policy can also cover the legal costs incurred in defending a claim.

Employers are responsible for the safety of their employees during work and at the workplace. An employers’ liability insurance policy is required by law for almost all UK businesses who have employees, with very limited exceptions. Failing to have this type of insurance can result in costly fines. If you are in any doubt at all about whether your business legally requires this policy, contact us.

Why is employers’ liability insurance important?

First of all, having employers’ liability insurance is compulsory under UK law for almost all businesses. But it offers other benefits apart from legal compliance.

Employers’ liability insurance may cover lost wages and medical bills, as well as legal fees. It enables employers to be protected from possibly extreme financial impact.

Ultimately, having employers’ liability insurance shows your duty of care for your employees and can be helpful cover in many situations.

What does employers' liability insurance cover?

Employers’ liability insurance can cover the cost of compensating employees who are injured at work or become ill through work.

It covers a number of claims, brought by:

  1. Permanent employees
  2. Contract and seasonal employees
  3. Labour-only subcontractors
  4. Temporary staff, including students and people on work placements
  5. Volunteers

What happens if you fail to get employers’ liability insurance?

Unlike many other types of insurance, employers’ liability insurance is often legally necessary. Under the UK law, most employers are required to have at least £5 million of employers’ liability cover. Failing to do that can result in a fine of up to £2,500 per each day you are not properly insured.

Why choose us?

  • Shop the market

    We liaise with our panel of up to 120 insurers to find you covers that are tailored to your business’ unique needs.

  • Expert teams

    Our insurance specialists have over 70 years industry experience.

  • Additional services

    We can combine other Radius services to include wider products and services such as telematics, telecoms and vehicle leasing.

Not sure which cover you require?

Call us directly on 0113 256 3662 for a quote today.
Our team of dedicated sales experts will take you through the process of setting up your new employers’ liability insurance from quote to inception. We will also be here to offer any advice or help you may need after you have taken out your policy with us.