Employers' liability compulsory insurance

Employers are responsible for the health and safety of their employees while they are at work. So you must have employers’ liability insurance for cover of at least £5million if you employ anyone. This differs from the public liability insurance, which is voluntary and covers you for claims made by members of the public or other businesses. Employers’ liability insurance covers you for claims made by employees and you can be fined if you do not hold a current policy. 


Statutory Instrument 1998 No. 2573 The Employers’ Liability (Compulsory Insurance) Regulations 1998.

Further information

Last updated: 9 July 2020