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Employer’s Liability Insurance

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Employer’s Liability Insurance

Protect your business against compensation claims from employees injured at work.

Fill out our short form or call us on 03333 440 129

What is employer’s liability insurance?

This policy protects your business against the cost of compensation should one of your employees sustain an illness or injury whilst carrying out work for your business.

How important is employer’s liability insurance?

In short, very. It is a legal requirement for employers with one or more staff to have a liability insurance policy in place. Failure to do so can result in fines of up to £2,500 per day. These fines can also be backdated. For example, if your business had staff for 30 days without a policy in place, you could be fined £75,000.

You will need this type of liability insurance if you employ: full or part-time staff members; temporary staff, interns or apprentices; contractors, self-employed freelancers; or volunteers.

You may be exempt from needing employer’s liability insurance if you only employ close family members, or if you are the only person working for the company. However, make sure that you keep up to date with current legal requirements to be certain that you and your business aren’t breaking any laws.

For more information, our experienced brokers can help. Fill in the form below or call us directly on 03333 440 129.


I contacted One Direct knowing that I needed a lot of different types of protection, but unsure of exactly what I required. After a conversation about my circumstances, Gareth was able to recommend the exact products that would ensure my family were well looked after if something were to happen to me. All in all, I’m very impressed with the service that One Direct provided and would happily recommend them to anyone.

Matt Richie “”