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  • Employers’ liability insurance

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  • Look after your people – and your business too

    Make sure you’re properly protected

    In most cases, if you have someone working for you, including voluntary, contract and temporary staff, you’re legally required to have employers’ liability insurance.

    That’s because it’s you that’s responsible for the health and safety of your employees while they’re at work. And if they’re injured in your workplace or fall ill through work, they could try to claim compensation from you.

    AXA Employers’ Liability Insurance covers your legal liability if someone makes a claim against you. That way, you’ll get peace of mind for you – and your business too.



  • Policy benefits

    • £10 million protection – for legal costs and compensation due
    • Legal costs for health and safety law prosecution covered
    • Up to 50 days' free cover for temporary workers
    • £250 compensation a day court attendance compensation
     

    Optional extras

    • Public liability insurance
    • Professional indemnity insurance
    • Own plant, tools and equipment for tradesmen
    • Business equipment for professionals
    • Personal accident – covers your income if you or a key partner is injured
     
  • Do I really need employers’ liability insurance?

    As a rule of thumb, if someone is employed by you or working under your control or supervision, you’re legally required to have it.

    Employers’ liability insurance covers:

    • Full-time and part-time employees
    • Self-employed contractors you hire
    • Temporary staff, apprentices and volunteers
    • People taking part in work experience or training schemes

    What if I don’t have employers’ liability cover?

    No matter how safe you think you are, workplace injuries can happen when you least expect them. And if an employee gets injured or becomes ill while working for you, they may try to claim compensation from you.

    The average workplace injury pay-out on behalf of a small business by AXA in 2013 was £14,300. But we also settle claims that run into several millions of pounds each. If you don’t have employers’ liability insurance, you’d have to shoulder these workplace injury claims on your own.

    And as it’s a legal requirement, you’d also risk being fined up to £2500 for every day that you don’t have insurance. So make sure your business – and your people – are properly protected.

  • Find out more

    whats covered


    What’s covered?

    Find out what’s covered by AXA Employers' Liability Insurance, so you get the protection that’s right for you.

    What's covered


    Why choose us?

    We think there are lots of reasons to choose AXA Employers' Liability Insurance. Here are eight for starters.

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