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Employers' liability insurance

Protection for your employees

Call 0800 294 0905 for a quote

Why do I need employers' liability insurance?

Employers' liability insurance is compulsory under UK law for any business which employs staff, including temporary staff and trainees. This insurance is necessary in case an employee suffers an injury or illness due to their work. We offer cover which allows you to combine employers' and public liability cover in one policy.

Here are the key features:

  • Cover for up to 12 employees (20 for non-manual professions)
  • 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
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?

Employers' liability insurance is compulsory under UK law for businesses with employees. 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.

Good to know

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 Conduct Authority (FCA), Financial Services Register number 310562.

Call now for a quote

0800 294 0905

Lines are open Monday to Friday 8:30am to 5:30pm.

0800 294 0905