What’s covered by employers’ liability insurance?

Keep your employees safe in case of accidents

If your employees are injured or fall ill as a direct result of the work they do, employers’ liability insurance will cover you for liability in the event of a claim. And if you employ anyone – even temporary or part-time staff – you may be legally obliged to have it.

As standard, you’ll get:

  • £10 million cover
  • Cover to pay health and safety law defence costs if a prosecution is brought against you
  • Automatic cover for temporary employees for up to 50 man days
  • £250 compensation per day if you need to attend court
  • Access to our 24-hour legal helpline

Here’s what you’ll get with AXA’s employers' liability insurance:


What it will cover:

  • Up to £10,000,000 compensation cover, if you’re taken to court by an employee who’s injured or harmed as a direct result of work that you do.
  • 50 days’ free cover for temporary employees
  • Cover for your legal liability to pay compensation under Data Protection legislation
  • Compensation if court attendance is required by director, partners or employees

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Customise with add-on cover:


public liability

Public liability insurance

Protect your business against third party accidental injury and property damage claims.


Professional indemnity insurance

Cover against compensation claims and legal fees if you’re sued by a client.


Business equipment

Get cover for your portable business equipment, in case it’s accidentally damaged or stolen.


Own plant, tools and equipment

Tradesman? Insure your tools, plant and equipment for damage or theft.


Hired in plant

Optional cover for hired tools and plant accidentally damaged or destroyed in your care.


Contract works

Cover for accidental or malicious damage on construction projects to help you recover costs and start working again.

plaster crutch

Personal accident: capital benefits

Lump sum of £2000 if you, or a key partner under 75, suffers an accident that causes death, permanent disability, loss of limb or sight.

plaster crutch

Personal accident: weekly benefits

Weekly benefits for a key partner (under the age of 75) who’s temporarily injured and unable to work, paid for up to 104 weeks.

Policy documents

Read these sample policies to learn more about Employers' Liability Insurance.

Professional indemnity

Protects you from compensation payments and defence costs if a client thinks you’ve made a mistake or given bad advice and makes a claim against you.

Need to make a claim?

Before you do, call us on 0345 600 2715 or e-mail liability.claims@axa-insurance.co.uk