{"id":581,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-employers-liability-insurance-do-i-need\/"},"modified":"2026-02-03T12:43:22","modified_gmt":"2026-02-03T12:43:22","slug":"how-much-employers-liability-insurance-do-i-need","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/how-much-employers-liability-insurance-do-i-need\/","title":{"rendered":"How much employers’ liability insurance do I need?"},"content":{"rendered":"\n
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How much employers’ liability insurance do I need?<\/h1>\n\n\n\n
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Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n

You usually need at least \u00a35 million of employers\u2019 liability insurance<\/a> to comply with the law, but most insurers offer \u00a310 million of cover as standard. The level of cover is in the millions because compensation claims for staff injury or illness can be very high.<\/p>\n\n\n\n

In practice, most insurers will give you \u00a310 million of cover as standard, so you don\u2019t usually have to choose a cover level when you\u2019re buying your employers\u2019 liability insurance.<\/p>\n\n\n\n

The law requires most employers to have at least \u00a35 million of employers\u2019 liability insurance, and the fine is a maximum of \u00a32,500 for every day that you don\u2019t have this cover. Some organisations are exempt from these rules – check the legislation<\/a> for more information.<\/p>\n\n\n\n

You can buy your employers\u2019 liability cover as part of a tailored business insurance policy<\/a> from Simply Business, or add it to an existing policy if you\u2019ve recently employed your first member of staff.<\/p>\n\n\n\n

Combine employers\u2019 liability insurance with other important covers like professional indemnity insurance<\/a> and public liability insurance<\/a> to build a tailored policy for your business.<\/p>\n\n\n\n

Popular trades we insure<\/h4>\n\n\n\n

At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n