{"id":586,"date":"2023-08-17T08:58:49","date_gmt":"2023-08-17T08:58:49","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/is-employers-liability-insurance-a-legal-requirement\/"},"modified":"2026-02-03T12:46:15","modified_gmt":"2026-02-03T12:46:15","slug":"is-employers-liability-insurance-a-legal-requirement","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/is-employers-liability-insurance-a-legal-requirement\/","title":{"rendered":"Is employers&#8217; liability insurance a legal requirement?"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-bg has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--150);padding-bottom:var(--wp--preset--spacing--150);background-image:url(&apos;https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business-uk\/assets\/images\/faq-bg.png&apos;);background-size:cover;\">\n<h1 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color has-max-huge-font-size wp-elements-0f3d15f1a7b4e65a1d9724adf81735c1\" id=\"h-is-employers-liability-insurance-a-legal-requirement\">Is employers&#8217; liability insurance a legal requirement?<\/h1>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-large-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/q\/business\/new_business\/about_your_business\/66584f379da7cc053176bee1?_gl=1%2Avulc6n%2A_ga%2AMTIzMjExNjA1My4xNzE3MDUzMTc2%2A_ga_PCBVYX06QP%2AMTcxNzA2MzIyMy4yLjEuMTcxNzA2MzQxNC40My4wLjA.\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--70)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/business-insurance\/employers-liability-insurance\/\">Employers\u2019 liability insurance<\/a> is a legal requirement for most UK businesses with at least one employee. The minimum cover level required by the law is \u00a35 million, and the fine is up to \u00a32,500 for each day that the employer doesn\u2019t have insurance. Some organisations are exempt from this legislation.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"populartradesweinsure\">Popular trades we insure<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">At Simply Business we insure all kinds of trades like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/builders-insurance\/\">Builders insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/catering-insurance\/\">Catering insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/cleaning-insurance\/\">Cleaning insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/contractors-insurance\/\">Contractor insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/hairdressing-insurance\/\">Hairdressing insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/home-baking-insurance\/\">Home baking insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/online-retailers-insurance\/\">Online retailer insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/pub-insurance\/\">Pub insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/security-guard-insurance\/\">Public liability insurance for security guards<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/restaurant-insurance\/\">Restaurant insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/roofers-insurance\/\">Roofers insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/business-insurance\/takeaway-insurance\/\">Takeaway insurance<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Is your profession not listed? When you <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">run a quote<\/a> you can select your trade from over 1,000 options.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"isemployersliabilityinsurancecompulsorybylaw\">Is employers\u2019 liability insurance compulsory by law?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">For most businesses with employees, employers\u2019 liability insurance is mandatory under UK law. Exemptions include some businesses that only employ close family members or workers who live abroad (although if this is the case you should check the law in the country where your employees are based).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus, if your business only hires contractors, they may not legally count as employees of your business, so you may not be legally required to have employers\u2019 liability insurance.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whocountsasanemployee\">Who counts as an employee?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">The definition of \u2018employee\u2019 for the purposes of the legislation can be a little complicated. Someone usually counts as an employee if the business deducts National Insurance contributions and income tax from their wages at source, and supplies the equipment they need to do the job. This means that certain kinds of subcontractors &#8211; in particular labour-only subcontractors &#8211; may count as employees, but bona-fide subcontractors and independent contractors usually don\u2019t.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For more information on the employers\u2019 liability insurance rules and exemptions, <a href=\"http:\/\/www.legislation.gov.uk\/ukpga\/1969\/57\/contents\" rel=\"noopener noreferrer\" target=\"_blank\">check the legislation<\/a>. Remember that even if your business is not legally required to hold an employers\u2019 liability insurance, it\u2019s often still a good idea to have one, as compensation claims for illness or injury can be very high.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply Business offers employers\u2019 liability insurance alongside other key <a href=\"\/business-insurance\/types-of-insurance-covers\/\">business covers<\/a> like <a href=\"\/business-insurance\/public-liability-insurance\/\">public liability<\/a> and <a href=\"\/business-insurance\/professional-indemnity-insurance\/\">professional indemnity insurance<\/a>. <a href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your quote<\/a> and buy a policy online.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-94e519ba wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--40);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--40)\">\n<h4 class=\"wp-block-heading has-text-align-center\" id=\"readytosetupyouremployersliabilitycover\">Ready to set up your employers&#8217; liability cover?<\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">As the UK&#8217;s biggest <a href=\"\/business-insurance\/\" data-type=\"page\" data-id=\"5152\">business insurance<\/a> provider, we specialise in <a href=\"\/business-insurance\/employers-liability-insurance\/\">employers&#8217; liability insurance<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\">Start your 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\/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Employers\u2019 liability insurance is a legal requirement for most UK businesses with at least one employee. However, there are exemptions. Find out more.<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":572,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is employers' liability insurance a legal requirement?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Employers' liability insurance is a legal requirement for most UK businesses with at least one employee. The minimum cover level required by the law is \\u00a35 million, and the fine is up to \\u00a32,500 for each day that the employer doesn't have insurance. 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