Employers Liability
What Is Employers’ Liability Insurance
21 January 2026
4 min readEmployers’ Liability Insurance is a form of cover that is often compulsory for anyone who employs staff. It provides legal protection in the instance that an employee is injured or becomes ill as a result of the work they do for you.
Your Employers’ Liability Insurance policy must cover you for at least £5 million and come from an authorised insurance provider (which Insurance Revolution is).
Employers’ Liability is vital for business owners, as it helps you to pay compensation in the event that an employee launches a successful legal claim against you.
It is further necessary to take out an Employers’ Liability policy as you can be fined £2,500 every day you are not properly insured. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to inspectors when they ask.
However, you may not be required to take out Employer’s Liability Insurance if you employ a family member or someone who is based overseas, but this is always worth checking.
Well Dunn insurance is very experienced in this sector of the insurance market and can always find you a competitive price. Visit our Employers’ Liability Insurance page for more information.
Related Articles
:quality(80))
Working at Height, Risk on the Ground: Why Roofers and Scaffolders Need the Right Insurance
Roofing and scaffolding are trades where physical risk is part of the job. From unstable ladders to falling tools, the nature of working at height presents more hazards than many other professions. In these trades, one incident could lead to an expensive claim, business interruption or injury. Specialist roofer insurance can help protect against the financial consequences of these risks.
:quality(80))
From Side Hustles to Full-Time Freelancers: Why Self-Employed Insurance Matters
Self-employed business insurance is often overlooked by freelancers, contractors, and side hustle owners. Whether running a part-time venture or working as a full-time sole trader, insurance could help protect against unexpected financial risks that may otherwise threaten both business and personal finances.
:quality(80))
Self-Employed Insurance Checklist: Essential Covers You Shouldn’t Overlook
Self-employed business insurance can provide vital financial protection for sole traders, freelancers, and consultants across the UK. Whether working from home, visiting clients, or running a mobile service, risks such as accidents, theft, or claims against your work could carry serious consequences.
:quality(80))