Employers' Liability Insurance

  • Price: £3.60
  • Published: February 2015
  • Type: Business Information Factsheet
  • Format: PDF

Most businesses are required by law to obtain employers' liability insurance as soon as they employ staff. Businesses must hold minimum cover of £5 million, but some may need more than this depending on their particular risks and liabilities. There are several exemptions, such as family businesses employing only immediate family members but this exemption does not apply to family businesses incorporated as limited companies.

Employers' liability insurance protects your business against claims for compensation in the event of the injury or illness of employees. This factsheet explains what is covered by employers' liability insurance, what the law requires and how to choose the right policy. It includes hints and tips and sources of further information.

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