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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
  • 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.

  • ...

    Running a business isn't easy.


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  • 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.

    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

  • 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.

  • Sales Enquiries

    0330 159 1520*


    Customer Services

    0330 159 1508*

    Live chat**

    *We’re open Monday to Friday 8am to 8pm, and Saturday 9am to 2pm. Calls are charged at local rate and may be recorded or monitored.

    **Live chat is available Monday to Friday, 9am to 5pm. Please be aware that during busy times, there may be a short wait.