Protecting Your Business

Employers' Liability Insurance

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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

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

Claims- Need to make a claim? With Aviva all calls are dealt with by a 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.

HSBC UK Bank plc, 1 Centenary Square, Birmingham, B1 1HQ, United Kingdom, 9928412 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.


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