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Employers liability insurance

  • Employers' liability insurance is a legal requirement for any company with employees. AXA's cover gives you the reassurance you need – and you get a 10% discount when you buy online. If people work for your business, it's your business insurance.

  • What's covered by the policy?

    • £10 million protection – to cover damages or claimant's costs.
    • 10% discount - when you buy online.
    • Temporary staff covered for up to 50 working days – your cover automatically extends to occasional employees.
    • Automatic cover for working partners - in case they are injured at work.
    • 24 hour legal helpline – free confidential legal advice when you need it most.
    • Optional extras - including cover for equipment, tools and contract works.

    All policy documents are stored in an online My AXA Account, so you can access them at any time. And when you need us most, our award-winning claims service* is there to help you through difficult times.

    Who needs employers' liability cover?

    • It is a legal requirement if you have one or more employees – including any full time or part time workers, voluntary employees, contractors and sub-contractors or non-contract staff.
    • The law says that if you have people working for you, you must have a minimum of £5 million of cover. That’s not £5 million for each employee though. One policy actually covers all staff for the company insured.
    • You could face a major claim for compensation if a member of your staff suffers injury or illness as a result of working for your business.

    There are some circumstances where employers' liability insurance is not a legal requirement – if all your employees are members of your family, for instance.

  • What can I add?

    Get a quote online and you can package your employers’ liability policy together with public liability and/or professional indemnity cover. You'll get a 10% online discount and a choice of optional extras. Simply start a quote, view the options and choose what you need.

  • Get up to £10,000 cover to replace or repair vital business equipment when it is lost, stolen or accidentally damaged. Items we insure include computers, mobile phone and portable electronic equipment. If you work from home, this cover can provide valuable protection – as your vital business equipment may not be covered by home insurance. And if you use your car for work, your car insurance may not cover your business equipment if it gets stolen, damaged or destroyed.
  • A good workman always protects his tools. From a simple screwdriver right up to a JCB, we can insure equipment you and your employees own up to the cover level you choose. This cover could keep you in business if the tools you rely on are stolen, lost or damaged.
  • Could your business afford to replace expensive equipment it doesn't even own? If something you've hired is damaged in your care, we can pay to repair or replace it under the terms of your hire conditions, up to your selected cover level. And we'll also pay for the hire fees while it's out of action, up to £25,000.
  • Accidents can happen at any time, and an injury suffered at work or outside work could really hurt your business or your family. If a principal, partner or director is injured and left unable to work, we will pay their weekly wage until they recover. If you are the person injured, we provide money you and your family could rely on. Maximum limits apply.
  • Serious injuries are things you never want to think about. But any accident – at work, on the road or on your own time – could be very costly if you or a fellow principal, partner or director of your business is left unable to work. Personal Accident pays the injured person a generous lump sum.
  • More policy information

    AXA employers' liability insurance for professionals:

    Policy summary

    Policy wording

    AXA employers' liability insurance for tradesmen:

    Policy summary

    Policy wording

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