Protect your business with Employers' Liability insurance 

Hiring your first employee – or your fiftieth – is a big milestone for any business. It also comes with responsibility. Employers’ Liability (EL) insurance is a legal requirement in the UK, serving as a safety net that protects your business as it grows. Here’s how…

 

What is Employers’ Liability insurance?

Employers’ Liability insurance protects your business if an employee is injured or becomes ill because of the work they do for you. It covers the cost of defending claims, as well as any compensation you’re legally required to pay. UK law stipulates that employers must have this insurance in place – even if your employees are part-time, temporary, or contractors.



Why do I need Employers’ Liability insurance?

Sure, Employers’ Liability insurance ticks the compliance box. But that’s not all. When it comes to protecting your team and your company’s reputation, this insurance is a non-negotiable. A single accident could set you back thousands – or more. Having the right policy in place shows investors and stakeholders that you’re serious about risk management too – all while reassuring your employees that their wellbeing matters.

What does Employers' Liability insurance cover? 

Accidents happen – and when they do, you need to know you’re protected. In these scenarios, Employers’ Liability insurance steps in:

Icon of a document labeled ‘CLAIM’ with horizontal lines representing text, overlaid by a red shield containing a checkmark.

Compensation claims from current or former employees
Any expenses related to injuries caused by work

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Legal fees and defence costs
Support if a legal claim is made against you 

Icon of an open hand supporting a shield with a red medical cross, checkmarks, and circular arrows on each side suggesting protection or coverage.

Injuries sustained at work, from slips to more serious incidents
If it happens on your watch, EL has you covered

Icon of a hospital bed with an IV stand beside it, accompanied by a red shield displaying a checkmark to represent medical protection or coverage.

Work-related illnesses or long-term conditions
If an employee develops an illness related to their job, you can consult your policy

Icon showing three outlined people with a red shield featuring a checkmark above them, representing group protection or coverage.

 Claims made by contractors or casual staff
Stay protected even with a flexible or freelance workforce

Picture This...

You’ve just closed your seed round and hired a small team to begin building the first iteration of your product. A team member trips on exposed cabling in your shared office, suffering a serious injury. They’re unable to work and bring a claim against your company. Fortunately, your Employers’ Liability insurance means you don’t have to face the legal and compensation costs alone – protecting your cash flow and reputation. 

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Contact us

Take your next step.

If you’re interested in how we can help or just want to introduce yourself, get in touch. We’re always happy to talk. Alternatively you can book a meeting with one of the team using the Capsule Calendar.