Employers’ liability section
OUR ASSESSMENT
The public-liability dependency is a real purchase distinction. Compare the complete combined cost and workforce scope.
Features to compare
- The published standard employers’ liability limit is £10 million.
- It can be added after selecting public liability within the business policy; volunteers can fall within an existing policy’s terms.
Limitations and checks
- Check the actual worker relationships and entities covered rather than relying on job titles or self-employed labels.
The question to ask
Are volunteers, apprentices and labour-only subcontractors included in my declared workforce?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
