Employers' and Public Liability Insurance
We offer liability cover which allows you to combine employers' and public liability cover in one policy.
It's quick and easy to get a liability insurance quote. Simply enter your details or call us on 0800 294 0905.
Reasons to choose the AA for employers' liability insurance
- Employers' liability insurance for up to 12 employees (20 for non-manual professions)
- Employers' liability cover of £10 million as standard
- Over 250 trades and professions catered for, including more difficult to insure trades such as scaffolders, roofers and working at height
Employers' liability insurance – frequently asked questions
Why do I need employers' liability insurance?
Employers' liability insurance is compulsory under UK law for businesses with employees.
What is employers' liability?
Employers' liability is a legal liability to pay damages as a consequence of injury, illness or disease sustained by any employee at work. Employers' liability insurance covers the cost of paying damages awarded to an employee who has made a claim against you as an employer.
How do I know if I need employers' liability cover?
Every business employing staff is required by law to take out employers' liability insurance. People working for you are defined as employees if:
- they are under a contract of service
- you deduct income tax and National Insurance from their wages
- you manage when, where and how they work
- they cannot employ a substitute when they are unable to work
What is the limit of indemnity for employers' liability insurance?
The policies we offer include a cover limit of £10 million, which meets legal requirements.
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Related information
AA Business Insurance is arranged by Automobile Association Insurance Services Limited. Registered office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 2414212.
Automobile Association Insurance Services Limited is authorised and regulated by the Financial Services Authority (FSA). You can check on the FSA's register by visiting the FSA's website www.fsa.gov.uk (link opens a new window) or by contacting the FSA on 0845 606 1234.