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Employers' Liability Insurance

Purchase alongside Public Liability cover from £2.01* a month.

What does employers liability insurance cover?

Employers liability insurance provides financial protection for work-related employee injuries, covering medical expenses, lost wages, and legal defence costs.

What’s included?

Cover up to £10m
Costs if an employee gets injured on a job, like a fall from a ladder or using a tool
Legal fees if an employee sues you for a work accident
Compensation for any working partners who are injured while working with you

What’s not included?

Injuries or illnesses to employees caused intentionally by the employer.
Fines or penalties for failing to comply with health and safety laws.
Claims involving self-employed contractors not classified as employees.

This content has been created for general information purposes. To ensure you have the correct level of insurance please see our full policy wording.

Download policy wording

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Insurance built around the needs of the UK’s small businesses

Flexible cover

Adjust your cover at anytime, without admin fees. As your business grows or changes, you can easily update your cover to match your needs.

No hidden fees

Pay how it suits you, monthly or annually. Plus no cancellation fees.

Simple claims process

Submit a claim online or give us a call. We'll handle the hard part, so you can get back to work, knowing your business is in safe hands.

Top-rated customer support

No long phone queues. No confusing jargon. Our South Wales-based team is dedicated to supporting you and is ready to answer any questions.

Employers' Liability Insurance FAQs

1. What does employers' liability insurance cover?

Don't let an employee injury sideline your business. Employers' Liability Insurance protects you from financial losses if an employee gets injured or sick because of their work for you. Here's what you're covered for:
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• Medical Bills and Lost Wages: If an employee gets hurt on the job, you'll be covered for their medical treatment and any lost income while they recover.

• Legal Costs: If an employee sues you for a work-related injury, employers' liability insurance can help cover your legal fees.

• Peace of Mind: Knowing you're covered can give you peace of mind and help you focus on running your business smoothly.

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2. Are there any circumstances under which a claim might be denied?

We understand you might have questions about what your employers liability insurance covers. Whilst we strive to be there for you, there may be some situations where a claim wouldn't be covered under your specific policy.

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To get the most accurate details, we recommend reviewing our Policy Summary. This document outlines everything your insurance covers and some common exclusions.

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Here are a few examples of situations typically not covered by employers liability insurance:

• Employee Injury Outside of Work: If an employee gets hurt while commuting or not engaged in work activities, it likely wouldn't be covered.

• Intentional Acts: Injuries caused by an employee deliberately harming themselves or another person wouldn't be covered.

• Fines and Penalties: Fines issued by health and safety authorities for regulation breaches are not covered by this insurance.

• Self-Employed Workers: Employers' Liability Insurance is typically for employees you hire, not self-employed contractors.

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Remember, this is not an exhaustive list. If you have any questions about a specific situation, don't hesitate to contact us! We're here to help you understand your coverage and ensure you have the right protection for your business. Reach us at 020 3808 7099.

3. How can I adjust coverage if my business changes?

Business changing? We can adjust your employers liability insurance with ease!

Our employers' liability insurance is flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

4. What support is available if I have questions about my policy?

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your employers liability insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

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5. How do I report my claim?

*£2.01 a month is for an Employers' Liability policy for a claim-free Copywriter with a minimum of 5 years experience, for cover of up to £10m. It is equivalent to £24.11 per year when paying for the policy in one annual payment. Must be bought in conjunction with Public Liability cover. The price is correct as of 14th May 2025.