Employers' liability compulsory insurance

Employers are responsible for the health and safety of their employees while they are at work. So you must have employers’ liability insurance for cover of at least £5million if you employ anyone. This differs from the public liability insurance, which is voluntary and covers you for claims made by members of the public or other businesses. Employers’ liability insurance covers you for claims made by employees and you can be fined if you do not hold a current policy. 

Legislation

Statutory Instrument 1998 No. 2573 The Employers’ Liability (Compulsory Insurance) Regulations 1998.

Further information

• Employer's Liability (compulsory insurance) Act 1969 (file size 81 Kb) [PDF file]
• HSE Free leaflets - regulations
  List of free leaflets relevant to health and safety law. HSE Journals. New Publications. Books Catalogue. Safety Executive: working with employers.