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A legal requirement for any business with employees, whether full or part-time. Employers’ liability is designed to cover legal and compensation costs in relation to claims from employees who are injured, or their property damaged, as a result of their work for you.

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Getting the right Employer Liability cover

Most employers are required to have a minimum of £5 million of employer’s liability insurance. This is the minimum legal requirement; however, there may be certain exemptions for your business. Exemptions can include public organisation and businesses that employ only family.

We’ve worked to find partners that offer employer’s liability insurance, along with any other business insurance coverage you may need.

Self Employed Car Courier Insurance
Self Employed Car Courier Insurance

Finding competitive Employer Liability insurance

We’re here to help you find the best competitive quotes for your employer liability insurance. 

To assist you, we may require a few details about your business such as the type of business you own, and how long you’ve been in business.  While there is a wide range of cover levels, we’re here to help you find the best quote for your company’s employer liability insurance insurance. We’ll find a quote that’s easy on your budget, without sacrificing quality, coverage, or services. 

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Self Employed Car Courier Insurance Insurance FAQs

Do I Need Employer’s Liability Insurance for One Employee?
Yes, this is the law. You are required to have employer’s liability insurance for one or more employees, with a minimum of £5 million.
What if I Have No Employees? Do I Still Need Employer’s Liability Insurance?
If you have no employees, then you may not be required to have employer’s liability insurance however if your subcontract, hire voluntary or casual labour you should consider employers liability insurance.
I’m Self-Employed, Do I Need Employer’s Liability Insurance?
If you’re self-employed and work on your own, then you do not require this type of insurance policy. The only time you may need this is if a client requires you have employer’s liability insurance to work on a project.
Do I Need Employer’s Liability Insurance for a Limited Company?
Yes, if you run a limited company and employ one or more, or if you have more than one director, then you’ll need employer’s liability insurance. If you only employ close family members, and your company is incorporated, then you’ll also need employer’s liability insurance in this scenario.
Do I Need Insurance for Temporary Workers?
In most cases, if you have short-term staff, contractors, or casual workers, then you will more than likely be required to have employer’s liability insurance.
Do I Need Employer’s Insurance for Subcontractors?
The answer depends. If you’re hiring “labour-only” subcontractors who work under your management and use your materials/tools, then they are legally seen as employees. They will need to be covered by employer’s liability insurance. However, those subcontractors who are “bona fide” work under their own direction and use their own materials/goods will not need to be covered by employee’s liability insurance.
Do I Need Employer’s Liability Insurance for Volunteers?
While it’s not legally required, it can be a good idea to invest in employer’s liability insurance. The reason is that you want to protect the business in case a volunteer makes a compensation claim against you. However, if you already have employer’s liability insurance, then volunteers may be covered under the policy. If you’re not sure, then it’s a good idea to check with your insurance provider.
Do I Need Employer’s Liability Insurance for Students on Work Experience?
Yes, employer’s liability insurance is required to cover work experience students and anyone on a work placement.

What our customers say about us

Our support does not end with the purchase of your cover. We are here to support you when you need us.

If you have questions or would like to update, or renew your policy, all you have to do is contact us. We will also help if you need to make a claim.

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Jason Mitchell

Very easy & uncomplicated online comparison, easy & very competitive prices for fully comprehensive insurance for our gas business, very fast delivery of email confirmation of your policy, very efficient indeed you must try these for a smooth, quote and buy transaction, no more being bombarded with telephone calls from brokers.

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Andy Harrow MD

Easy and simple form to complete, step by step, then gave me a number quotes from a number of insurers, then allowed me to purchased there and then, covered and an email sent straight away with my policy documents, Thanks again, highly recommended. Andy

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Marshall & Sons

My renewal was due to expired so I used Mybusinesscomparison's quote and buy service. This made the whole process painless.

I recommend this company for quality service and confidence you are properly insured.

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