employee with cut knee injured at work

Employers Liability Insurance

Protect your business against injury claims made by your employees — available as an extension under all Tradesman Saver policies which automatically include:

  • Public Liability
  • Financial Loss
  • Products Liability
  • Legal Expenses
  • Accidental Death
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When you’re running a trade business and employing staff, the last thing you need to worry about is your staff getting injured on the job. Not only does it dent your profits while they’re out of action, but worse still, a compensation claim could potentially cost you from the tens of thousands into the millions, if someone were to die as a result.

Why do you need employer’s liability insurance?

Employer’s liability insurance acts as a buffer for these unexpected circumstances. Instead of having to pay a claim from your own pocket, if you include employer’s liability as part of your cover, you’ll be covered by your policy and your insurer will pay the costs for you. This leaves you free to focus on the day-to-day running of your business, while we watch out for what’s coming on the road ahead.


Unlike public liability, employer’s liability is not an automatic cover, but it can be added to any standard Tradesman Saver policy if you need it.

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Why Us?

Online & Anywhere

We like to keep things simple. Your quote, purchase & documents are all available online, anytime.

Instant Cover

No need to wait for your documents. You’re covered from the moment you purchase.

Added Protection

Public Liability, products liability, financial loss, legal expenses and accidental death cover as standard on every policy.

Monthly Instalments

Cashflow is important to every business. Spread the cost & pay in easy, monthly instalments.

Our employer’s liability insurance is automatically activated from the moment you purchase it. This provides cover with an indemnity limit of £10 million, which is the most we will pay out in a single claim.

Employer’s liability insurance is a legal requirement for any company employing staff.  You can even add cover for working partners or cover for temporary staff as optional extensions to your employer’s Liability cover.

Cover for employer’s liability is available as an optional extension to our Tradesman Saver public liability insurance policy.  The premium for this cover will depend upon the number of staff you employ and your trade.

All Tradesman Saver insurance policies include public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

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What’s included with our Automatic Cover

Why do I need employer’s liability?

Employer’s liability is a legal requirement for anyone employing one or more employees. There are some special exemptions to this, and these can be found in ‘The Legalities of Employer’s Liability: Do You Really Need It?’ portion of this page.

Do I need employer’s liability cover for subcontractors?

There are two types of subcontractor:

  • Labour-only subcontractors should be treated as employees for employer’s liability insurance purposes, and you are required to maintain cover for them
  • For bona fide subcontractors, you don’t need employer’s liability insurance – they will need to have their own cover in the place. You should confirm that they have current cover for your own protection

What’s the difference between labour-only subcontractors and bona fide subcontractors?

The differences between labour-only sub-contractors and bona-fide sub-contractors are as follows:

  • Labour-only subcontractors work under your supervision. You tell them what work to do and direct them as to how, when and where to do it. They use your materials, tools and equipment (other than their own small hand tools) and you pay their wages. You would usually take them on to do a job because you need more bodies to get the work done to schedule
  • Bona fide subcontractors aren’t supervised or directed by you. They provide and use their own tools and materials (or hire them in if necessary) and you pay them a fixed price for the job as a whole. You would usually take on bona-fide sub-contractors to carry out a specific type of work that you don’t do yourself – for example, if you’re a building contractor and have undertaken the construction of a house, you may decide to use the services of an electrical contractor to do the electrical work needed for the project

Will I get a certificate of employer’s liability?

As soon as you buy your policy with Tradesman Saver, a certificate of employer’s liability will be emailed to you, alongside your other policy documents. You’re required to display this where your employees can see it, and also have it available if you’re asked to produce it by a health and safety inspector. You’ll be liable for a fine if you choose not to do this.

Do I need to keep my employer’s liability insurance records?

Yes, be sure to keep all your papers. In the event that an employee of yours in exposed to something that causes an illness, it may sometimes take years for the condition to develop. In situations like these, you’d need your insurance details for the period when the exposure occurred, so it’s better to be safe than sorry.

Can an employer’s liability claim be made against me if I become bankrupt?

Employees who become injured or ill as a result of negligence by their employer can make an employer’s liability insurance claim against the business, even if the business were to go into liquidation.

Why do you need employer’s liability insurance?

For anybody running a business and employing staff or using labour-only sub-contractors, employer’s liability is legally required by law. There are, however, a few exceptions worth noting though.

If your business is a Limited Company which has only one employee who owns 50% or more of the issued share capital in the company, then you aren’t obliged to take out employer’s liability insurance. If your business isn’t a Limited Company and either, a.) you’re the only employee, or b.) you only employ close family members, then once again, employer’s liability insurance isn’t compulsory. However, even in these exempt circumstances, having it is still advised, as it can provide a safety net in case of an unforeseen accident.

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*Based on £1,000,000 public liability, £250,000 legal expenses & £10,000 accidental death cover for a sole trader © Copyright 2019 Tradesman Saver | Tradesman Saver is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.Registered in England No 1842617 Insurance Brokers. All rights reserved.
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