Do I need Employers’ Liability Insurance?

It’s your responsibility as an employer to protect the health and safety of your employees during working hours. You’re legally required to have employers’ liability cover in place if you employ one or more people.

Some companies don’t need Employers’ Liability Insurance, such as businesses that only employ close family members. In these instances, while it isn’t a legal obligation to have Employers’ Liability Insurance, lots of businesses still choose it for the financial security it provides.

Why choose Aviva for your Employers’ Liability Insurance?

Complete cover

Compensation, legal costs and expenses for defending health and safety prosecutions – no stone is left unturned, so you’re prepared whatever happens.

£10 million protection

Employers’ Liability Insurance from Aviva gives you £10 million cover as standard – that’s twice the legal minimum.

Simple claims

Need to make a claim? With Aviva it’s quick, easy, and straightforward – and all dealt with by our UK claims centre. That’s another load off your mind.

What’s included

Legal costs and compensation for illness and injury claims, and defending health and safety law prosecutions; our policy provides £10 million cover as standard

Cover against claims made by all members of staff, including workers employed through government schemes

Cover against claims by staff on work experience

Up to £500 compensation per day for each director, partner or employee attending court

What isn’t included

Work in or on, or travel to or from, any offshore installation or support vessel

Injury to an employee travelling in or on, or getting into or out of, a vehicle where any Road Traffic Act legislation applies

Liquidated damages, penalty clauses or fines

For more information about our covers and exclusions please request a summary of cover document.