What is Employers’ Liability Insurance?

Employers’ liability insurance protects businesses that employ people – whether full or part time – should an employee take legal action against their employer. It’s a legal requirement for businesses that employ people to have this business insurance policy in place.

Do Contractors Need Employers’ Liability Insurance?

It depends. As explained, if you have anyone working for the company (other than your spouse), then you must by law hold this kind of insurance. However, given many contractors are one person companies, it may not be an immediate requirement. That said, check with your client and or agency, given some businesses prefer that businesses they engage have this policy in place.

Should you expand your business and bring on employees (whether permanent or temporary) it is an insurance that you will need to purchase. Without a minimum of £5m worth of cover you could be fined £2,500 for every day you’re uninsured.

UK offices

What Does Employers’ Liability Cover?

This business insurance protects you from a number of claims made by employees, but generally speaking it is designed to cover you against injury or illness suffered by employees during employment or ones that have arisen as a result of  their employment – from slips, trips and falls to serious injury or illness.

About Markel

Markel are an award-winning insurer with over 200,000 customers in the UK and are rated 4.8 out of 5 from 2,000+ customer reviews.

Get a quote for employers’ liability insurance today.

★ ★ ★ ★ ★

Very pleasant. Excellent price for what I needed. I will be a returning customer.

Rhino Review

Mr Paul D

Great staff. Customer focused and a team who recognise and understand their customers 100%.

Rhino Review

Vijay S

Fantastic accountants who helped me submit my last 2 years personal tax returns! I really rate this company!!!

QAccounting Review

Natalie

Fantastic service.

Rhino Review

Marco G

Been with QAccounting for several months now, very good service, very personal and the best prices I have seen.

QAccounting Review

Muhammed A

I switched over to QAccounting a few months ago and haven't looked back. I get to speak to my own client manager and accountant, the prices were the best I had seen, and I paid exactly what it said online (no extra costs). Very happy with QA.

QAccounting Review

Jeremy H