Employee having an accident

Employers Liability Insurance

Get covered by a top UK insurer.

Employers' liability insurance is designed to compensate an employee who falls ill, or becomes injured, as a result of working for an employer. It is compulsory for anyone who employs someone else to have cover of at least £5 million, provided that the employee is not a family member.

UK Employers Liability Insurers

Constructaquote Insurance Symbol


constructaquote.com is a trading name of Moorhouse Group Limited, a family owned business which was incorporated in 1999. The business itself is said to have commenced in 1990. They specialise in providing business insurance for SMEs (small to medium sized enterprises) and during the year up to September 2019 they turned over just over £6.4 million. Initially they concentrated on providing public and employers' liability cover for the building industry. They now claim to serve thousands of small businesses with policies underwritten by insurers such as AXA, Zurich and Aviva. They don't sell employers' liability as a stand-alone product, as it must be combined with a package including public liability. They claim to be able to beat any like-for-like policy by 5% for businesses in a list of building trades.

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AVA Insurance Symbol


AXA themselves will provide employers' liability insurance with £10 million of cover as standard, cover for temporary staff who work for less than 50 days per year, legal defence indemnity in the case of a claim dispute, and an option to pay monthly, rather than yearly. You can ring them for quotations or apply online. They calculate that they insure about 645,000 businesses across the UK and the Republic of Ireland.

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Direct Line Insurance Symbol

Direct Line

Although Direct Line aree better known as a car and home insurer their business insurance division will also provide employers' liability cover. In commom with their normal practice they sell these direct to the final consumer and they are so successful that they got a 2020 National Insurance Award for Commercial Lines Insurer Of The Year. Policies are underwritten by UK Insurance Limited which itself is part of the Direct Line Group.

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Aviva Insurance Symbol


Aviva employers' liability policies provide up to £10 million as standard. They cover legal costs for defending some health and safety law prosecutions, liability for work experience staff and compensation not exceeding £500 for any director, manager or staff member obliged to attend court in respect of an employee compensation claim. Specifically excluded however are claims arising from work on, or trips to, offshore installations or whilst the employee is on, or getting in or out of, a vehicle on a public highway, or any other location covered by Road Traffic Act legislation.

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O'Hara Insurance Symbol

Caunce O’Hara & Co Ltd

Caunce O’Hara & Co Ltd is a Manchester business insurance broker that specialises in providing insurance, including employers' liability insurance, to contractors and freelance professionals in many busiess sectors, but particularly in the engineering sector, including energy contractors in the offshore oil and gas sector. They were founded in 1995 and claim to cover 30,000 freelance professionals. In the year ending April 2019 they turned over more than £5.3 million.

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