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Last edited 06 Feb 2018
Employers’ liability insurance
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Employers’ liability (EL) insurance is compulsory for all employers under the Employers’ Liability (Compulsory Insurance) Act. All firms who employ staff are legally required to hold employers liability Insurance.
All employers must get employers’ liability insurance as soon as they become an employer. The policy must cover them for at least £5 million and come from an authorised insurer. Employers can check to see if their insurer is authorised by looking at the Financial Conduct Authority register or by contacting the Financial Conduct Authority.
Employers can be fined £2,500 every day they are not properly insured. Employers can also be fined £1,000 if they do not display their EL certificate or refuse to make it available to inspectors when they ask.
 Find out more
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- Contractors' all-risk insurance.
- Contract works insurance.
- Directors and officers insurance.
- Flood insurance.
- Insurance for building design and construction.
- Integrated project insurance.
- JCT Clause 6.5.1 Insurance.
- Latent defects insurance.
- Legal indemnities.
- Making sure your builder has appropriate insurance.
- Professional Indemnity Insurance.
- Public liability insurance.
- Residual value insurance.
 External references
- Government, Employers' liability insurance.
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