Employers are responsible for the health and safety of their staff when they are at work. If your business employs more than one person, it’s a legal requirement to have employers liability insurance. 

Its purpose is to cover the cost of any claims a staff member might make for being injured or ill as a result of their employment. Employers liability policies protect your business against the costs of medical treatment, compensation, and any related legal fees.

With Tradesure, you can get employers liability insurance quotes for tailored policies to suit any type of business. You can also choose the level of cover you need, with optional extras such as adding public liability insurance on a combined policy.



If you have more than one employee, you need employers liability cover. Some employers may be exempt from taking employers liability policies if:

  • Your employees are based abroad
  • You employ students on work experience programs
  • You have volunteers
  • You employ staff who exclusively carry out unpaid work 
  • You are a sole trader who only employs close family members and aren’t running a limited company

Without the correct employers liability cover, you risk a fine of up to £2,500 for every day your business is uninsured. Even if you don’t get fined, a claim brought by an employee for injury or work-related illness could put your business at financial risk. Read the government’s guide to compulsory employers’ liability insurance here.


Employers liability insurance covers you for legal fees and compensation payouts, including medical costs incurred from an employee. For example, if you are taken to court by an employee due to a health and safety breach, your costs are covered by your employers liability policy.


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What is employers' liability insurance?

Employers’ liability insurance is designed to protect your business against compensation costs if a staff member suffers an illness or injury resulting from work. This is especially important for anyone working in a mechanical, construction or trade environment where there is a high risk or injury.

The law says that as a minimum, your employers liability insurance should provide cover for £5 million. Tradesure employers liability insurance provides cover for £10 million as standard, with higher rates of cover available.

Is employers liability insurance a legal requirement?

Yes, if you have employees you are legally required to have employers’ liability insurance. This is the case even if you only employ one person. Legally, the minimum employers liability insurance you need must cover your business for £5 million. Tradesure employers liability insurance provides cover for £10 million as standard. 

Am I an employer?

You’re an employer if:

  • You pay someone a regular wage.
  • You deduct National Insurance contributions and Income Tax from their pay. This applies to even one person. For example, if you are self-employed but take someone on for contract work, you will need insurance. The same rule applies for those who onboard staff on a part time basis.

How much does employers liability insurance cost?

As with any business insurance, the price of employers liability policies will depend on a number of factors. This includes the industry your business is in, how it operates and the level of risk your employees face. 

Many insurance companies will calculate your premium based on how likely you are to make a claim and its potential costs. You can reduce the cost of employers liability insurance by improving health and safety policies at work to protect your staff. 

Do I need to retain copies of my employers liability insurance certificate?

Yes, you must retain copies of expired insurance certificates for at least 40 years. This requirement applies only to policies that were taken on December 31, 1998 or later. However, it’s important that you keep records of your previous cover in case your staff makes claims for injury or illness resulting from past work at your company.

Is employers liability included with other types of cover?

Although employers liability cover doesn’t come as standard with any other policies, you can choose a combined policy which includes both public and employers liability insurance. With Tradesure, you can tailor your combined liability insurance alongside additional cover options such as:

  • Product liability insurance
  • Directors’ and Officers’ insurance
  • Professional indemnity insurance
  • Trustee insurance

What is the difference between employers liability and public liability insurance?

Employers’ liability insurance is a legal requirement for employers which doesn’t cover members of the public. It protects businesses against claims due to employee injury or work-related illness

Public liability insurance is not required by law and doesn’t cover staff. It covers claims from public members for injury of damage.