Under UK law Employer’s Liability insurance is compulsory. As soon as you become an employer, in the majority of cases, it is a legal requirement that you obtain employer’s liability insurance with an authorised insurer.

Employers’ liability insurance protects you against the legal liability to compensate an employee if they are injured or fall ill at work.

Your policy must cover you for at least £5,000,000, but the majority of employer effect cover with an indemnity of £10,000,000. It’s important to be aware that failure to obtain appropriate cover can result in a fine of £2500 for every day you are not insured.