If you employ staff, whether full-time, part-time, temporary, or even volunteers, Employer’s Liability Insurance isn’t just a wise move, it’s a legal requirement in most cases. Chris Knott’s Employer’s Liability cover gives you the confidence that, should something go wrong, you’ve got the right protection in place.
Our team works with a panel of trusted insurers to arrange compliant, flexible policies designed to cover the risks you face as an employer. We help you meet your legal obligations without overpaying for protection you don’t need.
Excellent service from start to finish. The team took time to understand exactly what I needed and found me a great policy at a competitive price. Couldn't be happier with the whole experience.
Been with Chris Knott for over 5 years now. Easy renewal process and the team are always a pleasure to speak with. Proper UK-based advice you can actually trust.
After being let down by my previous insurer, Chris Knott made the whole process painless. Honest, straightforward, and friendly from the very first call. Highly recommend them.
Andy was brilliant - talked me through all the options clearly, no pressure, and found me a much better deal than the comparison sites. This is how insurance should be done.
I needed specialist cover for my classic Jaguar and Chris Knott sorted it quickly and at a great price. Really impressed with the level of knowledge and personal service.
Switched my home insurance after a recommendation from a friend. Very competitive premium and the whole thing was done in under 20 minutes. Very pleased with everything.
First-class service. I dealt with Emma who was patient, helpful and knew exactly what I needed for my thatched cottage. Got proper specialist cover, not a standard policy.
Genuinely good old-fashioned customer service. A real person who actually listens and helps you find the right cover. Wouldn't go anywhere else for my insurance now.
Had a claim last year and Chris Knott supported me throughout. Made a stressful situation much easier. Fair, fast, and professional - exactly what you want from a broker.
Renewed my multi-car policy today. Still the best value I've found anywhere and the team remembered me from last year. That personal touch really makes a difference.
Very helpful team, especially when I needed to add a modified vehicle to my policy. Talked me through everything and made sure I was properly covered. Excellent all round.
Chris Knott have been brilliant for my listed property - most insurers wouldn't touch it but they found me comprehensive cover at a sensible price. Grateful for their expertise.
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Outstanding from start to finish. I've recommended Chris Knott to everyone I know - my parents, my sister, and even my colleagues. They never let anyone down.
The service is what sets Chris Knott apart. You get proper advice from people who understand insurance, not a script. Worth every penny and more.
Even in the safest working environments, accidents and illnesses can happen. If an employee claims that their injury or illness is the result of their work, the employer’s liability insurance covers the legal costs and any compensation awarded, so your business doesn’t have to shoulder the financial hit.
You’re likely required by law to have cover if:
You employ anyone other than yourself
You have volunteers, apprentices, or temporary workers
You operate as a limited company with more than one director
At Chris Knott, we make sure your policy meets legal standards and is tailored to your setup, whether you’re running a small business, charity, or larger enterprise.
Our Employer’s Liability Insurance policies can cover:
Legal defence costs following a claim
Compensation payouts due to injury or illness
Claims from current or former employees
Cover for both full-time and part-time staff
Optional cover for volunteers or contractors
If your policy needs to integrate with public liability, professional indemnity, or other forms of commercial cover, we can handle that too.
I have found that they are a business with a very personal approach and have the client’s best interests in mind to find them the most suitable and competitive deal.
Ralf Sims.
The most common questions we're asked about employers’ liability insurance. Can't find what you're looking for? Speak to our UK-based team on 0800 917 2274.
Employers’ Liability Insurance is a policy for businesses that employ people. It is a legal requirement for businesses with employees or volunteers. It provides financial support for claims of illness or injury brought by an employee as a result of their work and allows your business to defend claims and/or pay compensation. Your insurer will issue an Employers’ Liability Insurance certificate when you take out a policy, which should be displayed prominently.
It covers employee claims for illness or injury as a result of doing their job. As such, it may pay for your legal representation in defence of a claim, the cost of taking time off to attend court, plus any compensation and legal or medical bills won by the claimant.
It is a legal requirement for all businesses with employees in the UK. This includes organisations with volunteers, apprentices or interns. Businesses that do not have appropriate Employers’ Liability Insurance may be subject to fines.
If you employ at least one other person in your business, it is very likely that you will need to have Employers’ Liability Insurance in place. It’s important to note that an employee includes anyone that works for you in a full–time or part–time capacity, as part of a work experience placement or apprenticeship or on a voluntary basis. However, if any of the following apply, you may be exempt:
The situation is more complex when it comes to contractors and subcontractors, so it is best to seek advice if your business uses these workers.
The law says that you need at least £5 million of cover, although most insurers offer at least £10 million. This is because the £5 million also needs to cover legal fees and other costs, which can diminish the amount remaining to pay compensation and damages.
If you own a group of businesses, you can take out a group policy of £5 million rather than separate policies for each business. However, you may want to increase this limit for additional peace of mind.
Your insurance is in place to ensure that your employees receive the compensation and damages they are owed if they make a successful claim against you. Your insurer cannot refuse to make a payment because:
However, just because your insurer will need to pay out despite these conditions, this does not mean that you cannot fulfil your legal obligations. It is your responsibility as an employer to protect your workforce. If your insurer does not believe that you have fulfilled these obligations, they may take legal action to reclaim their costs.
While there are lots of websites and companies from whom you can buy Employers’ Liability Insurance, we recommend speaking to an independent insurance broker like ourselves for a quote. We will carefully assess your risks and recommend the most suitable policy for your needs.
Whatever your trade or business, we arrange tailored commercial insurance from a panel of leading UK insurers. Browse our full range below.
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ExploreEvery page is written and fact-checked by our UK-based insurance specialists. Chris Knott Insurance has been arranging cover since 1983.
Every employers’ liability insurance policy is different. Speak to our specialist UK-based team and we'll arrange a quote that properly reflects your property and circumstances.
