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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.


  • 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. It Click here to find out more about 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 our 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.

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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.

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