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Employers Liability Insurance Products

Compare 541 products offered for Employers Liability Insurance from 101 companies including M R Ratcliffe Consultants Ltd, Zurich UK, and Troon Underwriting.

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 1 to 10 of 541
Product name Max Coverage Min Premium Exclusions
Employers' Liability by Allied World Managing Agency Ltd Max Coverage GBP25M Min Premium N/A


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Business - Employers' Liability by AXA Insurance Max Coverage GBP10M Min Premium GBP51


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Small Business Office - Employers' Liability by Travelers Insurance Company Ltd Max Coverage GBP10M Min Premium N/A
  • any amounts the injured employee receives under health insurance or social security
  • claims brought outside the EU
  • claims if the employee was injured while in or on client's vehicle under the terms of the Road Traffic Act
  • injury to the employee caused by war
  • punitive awards


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Small Business Shop - Employers' Liability by Travelers Insurance Company Ltd Max Coverage GBP10M Min Premium N/A
  • any amounts the injured employee receives under health insurance or social security
  • claims brought outside the EU
  • claims if the employee was injured while in or on client's vehicle under the terms of the Road Traffic Act
  • injury to the employee caused by war
  • punitive awards


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Public Employers Liability by Focus Max Coverage GBP10M Min Premium N/A


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Employers’ Liability by Tokio Marine Kiln Max Coverage GBP50M Min Premium N/A


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Excess of Loss - Public and Employers Liability by Pen Underwriting Max Coverage N/A Min Premium N/A


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Employers' Liability by Zurich UK Max Coverage GBP10M Min Premium N/A


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Employers Liability by Entertainment Risk Management Ltd Max Coverage N/A Min Premium N/A


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Lloyd’s Employers Liability - UK / IR by AXA XL Max Coverage GBP15M Min Premium GBP2K
  • North American companies


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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.