What is Employers’ Liability Insurance and Why It’s Essential
If you employ anyone — whether full-time, part-time, temporary, or even unpaid volunteers — UK law requires you to have Employers’ Liability Insurance. This cover protects your business if an employee claims they’ve suffered an injury or illness as a result of their work. Without it, you could face costly legal fees, compensation payouts, and even fines of up to £2,500 for every day you’re not insured.
Common scenarios where Employers’ Liability Insurance can help include:
- An employee injuring themselves while lifting heavy materials.
- A worker developing an illness due to prolonged exposure to hazardous substances.
- A temporary staff member slipping or falling on your premises.
Whether you run a small shop, a busy construction site, or an office team, Employers’ Liability Insurance ensures you can meet legal obligations while safeguarding your business finances.
How Low Insurance Brokers Gets You the Best Employers’ Liability Cover for Less
At Low Insurance Brokers, we specialise in finding the perfect Employers’ Liability policy for your business at the lowest possible rate. We know each business has different risks, so we don’t believe in one-size-fits-all insurance. Instead, we:
- Understand Your Business – We take time to learn about your industry, number of employees, and workplace risks.
- Search the Entire Market – We compare offers from multiple leading UK insurers, not just one company.
- Negotiate Lower Rates – We leverage our broker relationships to get prices often cheaper than going direct.
- Ensure Full Compliance – We make sure your policy meets all legal requirements, avoiding costly fines.
- Support You Through Claims – If a claim happens, we guide you every step of the way for a quick resolution.
By making insurers compete for your business, we ensure you get full protection at the lowest cost.
Why Businesses Trust Low Insurance Brokers for Employers’ Liability
- Cheaper Premiums – Strong insurer partnerships mean lower rates for our clients.
- Custom-Fitted Cover – Only pay for what’s relevant to your workforce and industry.
- Legal Protection – Avoid fines by meeting UK insurance requirements.
- Ongoing Support – We handle renewals, changes, and claims so you can focus on running your business.
- Access to Top Insurers – Work with the most trusted names in the UK insurance market.
With Low Insurance Brokers, you’re not just buying a policy — you’re partnering with a specialist who ensures your employees and your business are protected, without overpaying.
