Employers Liability Insurance protects your business from the financial risks of being sued by employees for workplace conditions that cause injury or illness. This includes compensation for injuries, associated medical costs, and legal fees.
In the UK, even hiring just one part-time worker means you’re legally required to have Employers’ Liability Insurance in place. Failing to comply can result in fines of up to £2,500 for each day you’re uninsured.
Looking after your team isn’t optional—it’s vital. While Employers Liability Insurance is a legal requirement for most UK businesses with staff, its importance extends far beyond compliance. It protects your business from the financial consequences of workplace incidents and provides essential reassurance for both employers and employees.
For beauty and salon businesses, where staff work with chemicals, heat-based tools, and sharp equipment, the risk of accidents and exposure is elevated. ELI ensures you’re protected against these industry-specific hazards.
Your team is your most valuable asset. Employers Liability Insurance is about more than ticking a legal box—it’s about safeguarding your business and supporting your staff in an evolving working world.
Employers Liability Insurance does not cover claims related to:
It strictly covers bodily injury and illness caused by workplace conditions or duties. For other employment-related risks, consider Employment Practices Liability Insurance.
If someone works for you—whether full-time, part-time, or casually—you likely need Employers Liability Insurance to meet legal obligations and protect your business.
Employers Liability Insurance protects against employee injury claims, but for broader protection, consider pairing it with Public and Products Liability Insurance. This combination ensures you're covered for incidents involving both employees and third parties.
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