Employers Liability Insurance Products

Compare 136 products offered for Employers Liability Insurance from 52 companies including All Parks Insurance Pty Ltd, Insurance and Care NSW, and Pacific Underwriting Corporation Pty Ltd.

Our Insurance Comparison Tool allows you to pick the correct policy by comparing every plan offered by Canada's leading providers. If you have questions, the Frequently Asked Questions can help you understand more about Employers' Liability

Compare Employers Liability Insurance Policies

Products 11 to 20 of 136
Product name Max Coverage Min Premium Exclusions
Excess Workers' Compensation by Liberty Specialty Markets Max Coverage N/A Min Premium N/A

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Accountant's Professional Indemnity by Berkley Insurance Australia Max Coverage AUD20M Min Premium N/A
  • investment advice
  • tax efficient schemes
  • USA / Canada
  • valuation services

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Intellectual Property by Edge Underwriting Pty Ltd Max Coverage N/A Min Premium N/A
  • USA / Canada

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Commercial Strata by Strata Unit Underwriters Max Coverage N/A Min Premium N/A
  • any deliberate or intentional act or omission
  • damage caused directly or indirectly by contamination by radioactive material
  • electronic data
  • lawful confiscation, nationalisation, requisition or destruction of your property
  • warlike activities, nuclear material and terrorism

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Residential Strata by Strata Unit Underwriters Max Coverage N/A Min Premium N/A

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Professional Indemnity by Procover Underwriting Agency Pty Ltd Max Coverage N/A Min Premium N/A

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Professional Indemnity - Insurance Brokers and Underwriting Agencies by Pen Underwriting Pty Ltd Max Coverage AUD20M Min Premium N/A

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Healthcare Management Liability by Medisure Indemnity Australia Pty Ltd Max Coverage AUD20M Min Premium N/A

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Residential Strata by Longitude Insurance Pty Ltd Max Coverage AUD20M Min Premium N/A

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All Parks by All Parks Insurance Pty Ltd Max Coverage AUD20M Min Premium N/A

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Frequently Asked Questions

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What Is Employers’ Liability Insurance?

Employers’ Liability insurance (ELI) provides cover for an employer if one of their employees becomes ill or is injured as a direct result of their employment. It is one of the main types of business insurance and is a legal requirement for most employers.


If an employee or former employee becomes ill due to the duties performed as part of their role then they may sue the business for compensation. ELI provides cover so that it can pay for legal fees and compensation costs in the event of a lawsuit.

Who Needs Employers’ Liability Insurance?

All employers are legally obliged to have ELI, as every employer owes a duty of care to their employees to ensure that there is safety within the workplace. Whether the business employs a large workforce or uses a smaller team like freelancers, contractors or temporary/seasonal workers, Employers’ Liability is required.

The only exceptions to this are:
  • sole traders
  • own limited companies
  • zero employees
  • sole traders with only close family members employed

Anyone that buys Employers’ Liability insurance also needs to ensure that the official certificate is displayed clearly on the business premises or that copies are sent digitally to all employees. Failure to provide a certificate or access to it may result in a fine.

What Does Employers’ Liability Insurance Cover?

Employers’ Liability will cover an employer for claims made against them if an employee falls ill, is injured or contracts a disease in the workplace. The type of employee who could potentially make a claim includes:
  • any permanent employee
  • casual, short-term contract, temporary or seasonal employee
  • student or person on work placement
  • voluntary worker

An Employers’ Liability claim can only be made if the injury or illness was caused either in the workplace or as a result of the employee’s duties. For example, an employee may be using an office chair that collapses, causing them an injury. If their employer did not take reasonable precautions to ensure that health and safety checks were carried out on office equipment then they may be liable for a claim made against them. The costs covered by such claims can include:

  • financial compensation for the injured employee
  • loss of earnings
  • medical expenses and rehabilitation costs
  • any other expenses (eg travel, medication, etc)
  • care provided by family or friends

As Employers' Liability insurance is compulsory, policy exclusions are not permitted. However certain factors such as pre-existing conditions or deliberate acts will not be considered.

How Much Does Employers’ Liability Insurance Cost?

The total amount of coverage needed will depend on several factors, including the type of business, the number of employees, and the previous claims history.

Some regulators may specify a minimum coverage limit but most insurers offer high amounts of coverage. Therefore it is best to check what is required as statutory depending on the nature and size of the business.