BUSINESS & PROFESSIONAL

Employers’ liability. Explained.

Understand employee injury cover, the people who need to be considered and the records to keep.

Start with what you need covered.

Employers’ liability helps meet compensation claims for work-related injury or illness. Most employers in Great Britain need this cover; exemptions and the position in Northern Ireland need checking for the actual business. Do not infer someone’s insurance status solely from calling them a freelancer or contractor.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Employers’ liability

Discuss all the people working in the business and their roles.

Combined liability policy

Public liability and employers’ liability may be packaged together but address different claims.

Specialist arrangements

Ask about labour-only subcontractors, temporary staff, overseas work and unusual risks.

BEFORE YOU CHOOSE

Four conversations worth having.

People insured

Who is included across employees, casual staff and subcontracting arrangements?

Legal requirements

Which requirements and exemptions apply in the jurisdiction where people work?

Work activities

Have manual work, site visits, machinery and higher-risk duties been disclosed?

Certificate and records

Can employees access the certificate, and are historical records retained?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

See how cover connects.

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