Insurance for your business

If your business has employees you will more than likely need employers' liability insurance.

If an employee is injured or becomes ill as a result of the work they do, they may want to  claim compensation from the business. Employer’s liability insurance enables the buseinss to meet the cost of compensation of the employees’ injuries or illness.

Only a few businesses are not required to have employers' liability insurance. For example, if you have no employees, or are a family business (of which all employees are closely related to you) you may not need it.

How to you get employers' liability insurance?

Employers’ liability insurance can be bought through insurers, brokers or trade associations.

Your policy must be with an authorised insurer and the Financial Conduct Authority (FCA) has a list of these.

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