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  • Employers’ liability insurance

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  • Protect your employees from just a year*

    • £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
     

    Our opening hours are different over Christmas. Click here to see when we’re open.

  • Find out more

    What’s covered?

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

    Why choose us?

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


  • Employers' liability insurance FAQs

    What is employers’ liability insurance?

    Employers' liability insurance protects your employees if they get injured or become unwell as a direct result of the work they do while in your employment. If you employ anyone, even on a part time or voluntary basis, you’re legally obliged to take out employers' liability insurance.

    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

    How much does employers’ liability insurance cost?

    Employers’ liability is quick and easy to arrange online or over the phone. There are several things to consider, like how many employees you have, what type of business you do and details of any wages you pay.  For the best way to find out, give us a call on 0330 159 1520 and get a quote from one of our friendly, experienced advisors who’ll give you the price that’s just right for your business.

    Do I need employers' liability insurance?

    No matter how careful you are, workplace injuries happen, and in the case of occupational diseases, claims can happen many years down the line. That’s why, If you employ anyone, even temporarily, employers’ liability insurance can cover compensation costs and legal fees, and, in most cases, it’s a legal requirement. If you don’t have employers’ liability insurance, it could cost you dearly and not just from a compensation claim. If you employ even one member of staff on any basis, including volunteers, and if you don’t have it, you face being fined £2500 for every day you are uninsured.Click here to find out more. Or, give us a call on 0330 159 1520 and chat to one of our friendly and experienced advisors who’ll keep you right.

    What does employers’ liability cover?

    Employers’ liability insurance can pay the compensation amount and legal costs if an employee, or an ex-employee, claims compensation for a work-related illness or injury. Employers’ liability insurance covers full-time and part-time employees, any self-employed contractors you hire, temporary staff, apprentices and volunteers and people taking part in work experience or training schemes. Included as standard with AXA you get £10 million cover, cover to pay health and safety law prosecution costs, £250 compensation per day if you need to attend court to defend a claim made against you, and access to a 24-hour legal helpline. Find out more about what’s covered here.

    What’s a typical example of an employers' liability claim?

    No matter how safe you think you are, workplace injuries happen. And if an employee get injured or becomes ill while working for you, they may try to claim compensation from you leading to claims running into the tens of thousands of pounds. Find out about examples of employers’ liability claims here.

    Is AXA Employers’ Liability Insurance right for your business?

    Sometimes, not everything can be done online

    Insuring your business is easy with AXA. Most businesses can get a quote online in minutes – but for some larger businesses with more complex needs, we may need to speak to you to make sure we’ve got you properly protected.

    We won’t be able to cover you online if your business:

    • Has more than eight people

    • Has an annual turnover of more than £500,000

    • Is based outside Great Britain (England, Scotland or Wales)

    If your business is or has any of these things, we’ll need to get some more details from you to make sure we can give you a quote that meets your needs.

  • Why choose AXA Employers’ Liability Insurance to cover your business?

    There are many reasons to choose AXA Employers’ Liability Insurance. Here are eight for starters.

  • Eight great reasons to choose AXA Employers’ Liability Insurance

    1. You get £10m cover as standard

    Employers’ liability insurance must cover you for at least £5 million. But that’s not always enough, so at AXA, we give you £10 million cover as standard.

    2. Get 10% off when you buy online

    When you buy employers’ liability insurance online, you’ll automatically save 10%. It’s the protection you’d expect from AXA – for less.

    3. Court attendance costs are covered

    If we need you to be in court because of an employers’ liability claim, we’ll pay you up to £250 per day.

    4. Temporary staff are covered too

    Our employers’ liability insurance automatically covers temporary employees for up to 50 working days.

    5. Free legal helpline

    With us, you’ll get free access to a 24-hour confidential legal helpline. It’s reassurance when you need it most.

    6. Quick and easy online quote

    Buying insurance can be tricky business, but our online quote is quick, easy and mobile-friendly, meaning you can get employers’ liability insurance in a matter of minutes.

    7. Award-winning claims

    We know insurance cover is only as good as its claims service. Thankfully for you, our claims team are award-winning1 – and they’re on hand to help when you need them most.

    8. Cover you can trust

    We’ve got a 97% customer satisfaction rate on Feefo2 – and we’re part of the AXA Group, one of the world’s largest insurance companies. Now that’s cover you can rely on.

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  • Underwritten by AXA Insurance UK plc. Terms, conditions, eligibility and exclusions apply

    About us

    At AXA Business Insurance, we give you the protection you need to grow your business, which is reflected in our Feefo customer service score of 4.8 out of 5 based on 4231 reviews as of 26 April 2016. We offer business insurance online to sole traders, self-employed people and small and medium-sized businesses, as well as landlord and van insurance – for business or personal use.

  • 1Our claims team have won leading industry awards at the British Insurance Awards 2012, The Claims Awards 2012, CII Public Interest Awards 2015 and The British Insurance Awards 2015.

    2Based on 1284 reviews. Accurate as of 9 December 2015.

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