Employers’ Liability Insurance
Do I need Employers' Liability Insurance for my business?
To answer that question, it's your responsibility as an employer to protect the health and safety of your employees during working hours. You’re legally required to have employers’ liability cover in place if you employ one or more people.
This way, you're covered if an employee is injured or becomes ill because of the work they do for you. You will need to consider if Employers' Liability cover is suitable for yours and your business needs and check the full details.
Some companies don’t need Employers’ Liability Insurance, such as businesses that only employ close family members. In these instances, while it isn’t a legal obligation to have Employers’ Liability Insurance, lots of businesses still choose it for the financial security it provides.
Why choose Aviva for your Employers’ Liability Insurance?
Complete cover
Compensation, legal costs and expenses for defending health and safety prosecutions – you’re prepared whatever happens.
£10 million protection
Our insurance provides you – that's double the legal minimum £10 million cover as standard.
Simple claims
Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.
What’s included
- Legal costs and compensation for illness and injury claims, and defending health and safety law prosecutions; our policy provides £10 million cover as standard
- Cover against claims made by all members of staff, including workers employed through government schemes
- Cover against claims by staff on work experience
- Up to £500 compensation per day for each director, partner or employee attending court
What isn’t included
- Work in or on, or travel to or from, any offshore installation or support vessel
- Injury to an employee travelling in or on, or getting into or out of, a vehicle where any Road Traffic Act legislation applies
- Liquidated damages, penalty clauses or fines
For more information about our covers and exclusions please refer to the summary of cover documents.
Get a quote for Employers’ Liability Insurance
If your business has 1-9 employees, you can get Employers' Liability Insurance online when selecting a core cover of Public Liability Insurance, or Buildings or Contents Insurance.
Over 9 employees? Buy through a broker
Find out more about our Business Insurance covers
Choose a core cover, Buildings and Contents Insurance or Public Liability Insurance, then explore our range of options for extra cover where you need it.
Buildings and Contents Insurance
Protect your premises and its contents from theft, loss and accidental damage.
Tools, Stock and Business Equipment Insurance
Covers you against loss, theft, or damage to the things you need to run your business.
Business Income Insurance
Cover for loss of income you might experience due to something unexpected, like a natural disaster.
Professional Indemnity Insurance
Cover the legal costs and expenses for defending a claim of alleged inadequate services, advice or designs.
Got a question?
We answer some of the most frequently asked questions about Employers’ Liability Insurance.
How much cover is included?
How much does Employers' Liability Insurance cost?
Who is considered a close family member?
What if I don't have employers' liability cover?
What if I bought my Aviva Employers' Liability Insurance from a broker?
You might also be interested in
Workplace pensions
Every UK employer needs to provide, and contribute to, a workplace pension. We have solutions for different sizes and types of business. Please note that a minimum number of contributing employees may apply.
Business Health Insurance
Our private medical insurance offers flexible cover options, so you can create a package that’s right for your business and your employees.
Business Vehicle and Van Insurance
Choose from either comprehensive or third-party, fire and theft insurance – and pick a range of optional extras like foreign-use cover and protected no-claim discount to boost your cover even more.