Employers’ Liability Insurance
Mandatory legal requirements
Meet your legal obligations and protect your team with confidence.
What is Employers Liability cover?
Employers’ Liability insurance helps protects your business if an employee is hurt or becomes ill due to their work. It covers compensation, medical expenses, lost income, and legal costs arising from a claim made by a current or former employee.
In the UK, this cover is a legal requirement for most businesses under the Employers’ Liability (Compulsory Insurance) Act 1969. You need it as soon as you you employ staff, whether full-time, part-time, casual, temporary, agency self-employed workers under your direction, or sub-contractors who are not classed as bona fide.
The law requires a minimum indemnity limit of £5,000,000 of cover, but most insurers provide £10,000,000 as standard to make sure you are fully protected, including legal expenses.
This important insurance helps protect your business and your employees, ensuring everyone is covered with care, and in line with the law.
Why do you need it?
If you have any employees, even just one, you must have Employers’ Liability insurance. Without it, you could risk significant fines, legal exposure, and substantial compensation costs if an employee suffers an injury or becomes ill because of their job.
Accidents and work-related health problems can happen in any environment.These might include lifting injuries during a move, slips or falls in a warehouse, repetitive strain from office tasks, or exposure to hazardous materials. Claims can be complicated and costly, and the law places the responsibility on employers to protect their workforce.
This insurance helps you meet your legal duties and shows your employees that their wellbeing is taken seriously. For moving and storage businesses, where physical work and different settings bring additional risks, having the right cover is essential for staying compliant, keeping you business running and protecting your reputation.
What does it cover?
We design each Employers’ Liability policy to fit your daily operations and the specific risks your team faces.
Your policy can include protections for:
- Compensation payments: for injury or illness caused by work activities.
- Medical costs: including treatment, rehabilitation, and long-term support.
- Lost income: covering wages an employee may lose while recovering.
- Legal fees: for defending and settling employee claims.
- Current and former employees: including apprentices, temporary staff, and workers under your instruction.
- Compliance requirements: including the legally required certificate of insurance.
Employers must retain their certificate and provide it to the Health and Safety Executive (HSE) upon request.
With Reason Global, your insurance is more than a legal formality. It is carefully designed to protect the people who keep your business moving, and to give you clarity, compliance, and genuine peace of mind.
Looking for something else?
Please get in touch today if you’re looking for something more specialist, and our expert team will be able to help.
Fast, reliable insurance for your operations
Contact us today for comprehensive, flexible coverage designed around your business, backed by experienced insurers and dedicated support teams.
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We are the only Lloyd’s of London broker solely dedicated to the moving, self-storage and international relocation industries.
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