Employer Liability Insurance
Employer liability (EL) insurance is legally required for any UK business with employees including part-time and casual workers. Minimum cover: £5 million. Failure to have EL insurance: fine of £2,500 per day.
Employer Liability Insurance Estimator
Estimate your Employer's Liability Insurance (EL) premium. UK law requires EL cover of at least £5 million if you employ staff — even one part-time worker.
Employers’ liability insurance is a legal requirement in the UK for any business that employs staff — including part-time, temporary, or casual workers — with a minimum statutory cover of £5 million. The premium depends on the number of employees, their occupations, and the nature of the business. Higher-risk industries such as construction, manufacturing, and healthcare attract higher premiums. The calculator estimates the annual premium range for your business type and headcount. Note that family businesses where all employees are close relatives are exempt from the compulsory requirement, but cover is still advisable. Fines for operating without employers’ liability insurance are substantial — up to £2,500 per day. Keep the certificate of insurance accessible; employees have the right to see it.