Employers' liability insurance
OUR ASSESSMENT
The useful comparison starts with who works for the business and what they do. Keep a current record of worker arrangements and check that the policy recognises changes such as new activities or remote working.
Features to compare
- Hiscox offers employers' liability for qualifying employee injury or illness claims connected with work.
- Its published business information says this cover is sold with public liability cover.
Limitations and checks
- Check how the contract treats temporary staff, volunteers, apprentices and subcontractors.
- An employers' liability policy does not automatically provide a general employment-disputes or HR legal-expenses service.
The question to ask
Which workers are treated as employees for this policy, and what changes must we report during the year?
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 26 September 2026. 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.