Employers' Liability Insurance

Does your business employ staff? If so, in most cases you’ll need employers’ liability insurance. We’ve partnered with Aviva to keep your business protected.

Employers’ Liability Insurance at a glance

  • Legal costs covered: Aviva’s policy covers legal and compensation costs if you face action by an employee or health and safety authority
  • Court compensation: If you or one of your employees needs to miss work to attend court, you’ll be compensated.
  • Complete protection: Get £10 million of protection as standard, double the legal requirement
  • What’s considered a close family member? Your husband, wife, children, grandchildren, parents and grandparents
  • What’s not covered: Liquidated damages, penalty clauses or fines
  • What if I don’t have Employers’ Liability Insurance? You could be fined £2,500 for every day you’re not insured

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Contact Aviva

Why choose Employers’ Liability Insurance?

Simply because it’s your legal responsibility. While there are some exemptions (where you only employ close family members), businesses employing one person or more must be covered to stay compliant. This protects you, your employees and your business if a staff member gets ill or injured while working.

What else is included?

Cover for work experience: Aviva will cover against claims by staff on work experience
Simple claims: Claims are quick, easy and straightforward – and all dealt with by our UK claims centre
Total cover: Compensation, legal costs and expenses for defending health and safety prosecutions

Important information

Full policy wording, summaries, conditions and exclusions can be found here:

Business Insurance Policy Wording and Summary

Aviva’s business policies are sold, administered and underwritten by Aviva Insurance Limited.

For more information call Aviva on 0800 015 8948. Lines are open Monday to Friday, 9am to 6pm, including bank holidays (excluding Christmas Day, Boxing Day and New Year's Day).

Calls may be recorded and monitored.

Looking for something else? You can still use the above number to make a general enquiry.

HSBC Bank plc, 8 Canada Square, London E14 5HQ, Company Register Number, 14259 acts as an introducer to Aviva Insurance Limited. 

Aviva Insurance Limited. Registered in Scotland, No. 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 202153.

Apply online

Contact Aviva

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