Most UK businesses that employ staff are legally required to have Employers Liability Insurance. This cover protects your business if an employee claims they were injured or became ill because of their work and asks for compensation.

Employees can be full-time, part-time, temporary staff, apprentices, and sometimes subcontractors who follow your business’s instructions. If your business decides how work is done, you’ll usually need Employers Liability cover.

Workplace injuries and illnesses can happen in any setting. Physical jobs might involve risks like slips, trips, falls, lifting injuries, or accidents with machinery. Office jobs can lead to issues like repetitive strain, stress, or poor desk setups. Even with good safety measures, accidents can still happen.

If an employee makes a claim, your business might have to deal with legal action and pay compensation. These costs can be high, especially for serious injuries or long-term illness. Employers Liability insurance helps cover legal fees and any compensation you need to pay.

The law usually requires at least £5 million of cover, but most policies offer £10 million as standard. If you don’t have the right insurance, your business could face fines, so it’s important to stay compliant.

This insurance is needed in nearly every sector, including retail, hospitality, construction, manufacturing, and professional services. It’s a key part of running a responsible business.

At base Insurance, we help you find Employers Liability cover that matches your workforce and how you operate. We look at your employees’ roles, work environments, and whether you use subcontractors.

With the right cover, your business can meet legal requirements and protect itself from the financial impact of employee claims.

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