.png)
Legal requirement from day one — mandatory for all UK employers with staff
Fines of up to £2,500 per day for operating without valid cover
Many policies arranged and certificates issued the same day
Employers' liability insurance covers your business if an employee suffers injury, illness, or a work-related condition and makes a claim against you. The Employers' Liability (Compulsory Insurance) Act 1969 requires all businesses with employees to hold a minimum of £5m of cover — though most policies provide £10m as standard. Your certificate must be displayed or accessible at your workplace.
The law ensures that employees who suffer harm at work can access compensation, regardless of whether their employer has sufficient funds. The £2,500-per-day fine for non-compliance reflects how seriously this obligation is taken. Beyond legal duty, holding employers' liability demonstrates your commitment to your team's wellbeing.
![[headshot]](https://cdn.prod.website-files.com/69b5c32fee9766011b68547b/69b82cced39ba3055dad461a_Untitled%20design%20(16).png)
![[headshot] image of customer (for a dental office)](https://cdn.prod.website-files.com/69b5c32fee9766011b68547b/69b82ccf27c4f98621ebd3e7_Untitled%20design%20(17).png)
![[headshot] image of customer for an insurance agency & company](https://cdn.prod.website-files.com/69b5c32fee9766011b68547b/69b82ccf317632a73a2e7ee5_Untitled%20design%20(18).png)
Explore top UK suppliers and save on essential services. Compare options side by side to find the best fit for your business needs.
Find the best deals on business electricity, gas, water, and broadband. Save time and reduce costs with tailored quotes.
Compare business loans, asset finance, and more. Access flexible funding options to support your company’s growth.
Protect your business with the right cover. Compare public liability, professional indemnity, and other key policies.
Upgrade your business communications. Compare broadband, leased lines, and IT support for seamless operations.
Find cleaning, maintenance, and security providers. Keep your workplace running smoothly and safely.
Discover the best business software for your needs. Compare CRM, marketing, and productivity tools to improve efficiency and support your growth.
Everything UK employers need to know about this mandatory business insurance.