Employers Liability Insurance

Employers Liability Insurance Quotes

At UK Commerial Insurance insurance it is a simple process for UK businesses to obtain employers liability quotes, with competitive quotes from all the leading UK liability insurance companies, ensuring your business gets the best liability coverage at the cheapest rates.

Choose from a stand-alone liability policy or cover all your business staff with a combined property and liability package.

We offer Employers Liability cover for all UK businesses and trade types. Simply complete our enquiry form below and we will compare the market for you.

Get Employers Liability Quotes

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About Employers Liability Insurance

Employers Liability Insurance and motor insurance are the only two compulsory insurance covers in the UK.

Employers liability or EL as it is often called protects a business against all clams for personal loss or injury suffered by the business’ staff or employees whilst in the course of carrying out their working duties.

Employers Liability Insurance was made compulsory by the Employers’ Liability (Compulsory Insurance) Act 1969 which came into effect in 1972 to protect workers who were injured whilst working for firms that couldn’t afford to pay any damages awarded by a court. The minimum legal level of cover was set at £5 million, however nearly all policies sold here today offer a minimum level of £10 million EL indemnity for any single claim.

Employers that are exempt include, for example, most public organisations, including government departments, local authorities, several organisations financed through public funds; family businesses where all employees are closely related and which are not incorporated as limited companies; and companies employing only their owner where that employee also owns 50% or more of the issued share capital in the company.

Regulation is policed by the Health and Safety Executive (HSE) and there is a penalty of up to £2,500 per day for failing to insure. As of April 2012 all companies must supply details of their taxation reference number when applying for employers liability cover which will be held on a central public searchable database.
Employees have the right to take legal action directly against the employers’ liability insurer under the Third Parties(Rights against Insurers Act) 2010 in the event of the employer winding up or becoming insolvent. The database provides information of who the insurer was.

Comparing Employers Liability Insurance Online

At UK Commercial you can obtain quotes which offer £10,000,000 cover for any one event, for companies and businesses that employ between 2 and 500 employees.

Premiums are calculated from the number of employees and in certain cases by the wageroll. It is important that you enter the correct number of employees when applying for cover including and part-time or sub-contractors. You do not need to include personal details or provide company tax reference numbers to compare employers liability quotes.