BUSINESS LIABILITY INSURANCE

Employers' Liability Insurance

Legally required cover if an employee is injured or made ill by their work, even for casual or part-time staff. Most businesses that employ anyone directly must hold this cover by law.

employers' liability insurance

About Employers' Liability Insurance

UK law requires most employers to hold at least £5 million of cover the moment they take on staff, including part-time, casual or work-experience employees, and to display the certificate where staff can see it. It responds to claims that an employee's injury or illness was caused by their work, and the requirement applies from the first day someone works for you, not after a probation period.

What You Will Need for a Quote

  • Nature of your business and services provided
  • Estimated annual turnover
  • Number of employees
  • Stock and contents values, if applicable

Employers' liability specialists who understand workforce risk.

Whether you employ one person or a large workforce, we help arrange Employers' Liability Insurance that protects your business and helps keep you compliant with legal requirements.

Independent

We are not tied to any insurer, allowing us to compare Employers' Liability Insurance options across a wide panel of insurers and underwriters.

Built for Your Business

Different industries present different workforce risks. We help arrange cover that reflects the work your employees carry out.

Flexible

Cover can be arranged for employees, labour-only subcontractors, temporary workers, apprentices and volunteers.

Dedicated Support

One specialist broker manages your enquiry from quote through to renewal and claims support.

Who We Arrange Cover For

  • Tradespeople
  • Contractors
  • Retailers
  • Restaurants and cafés
  • Manufacturers
  • Warehousing businesses
  • Offices
  • Professional services firms
  • Limited companies
  • Growing businesses employing staff

What We Arrange

  • Employers' Liability Insurance
  • Labour-Only Subcontractor Cover
  • Temporary Worker Cover
  • Apprentice Cover
  • Volunteer Cover
  • Commercial Combined Insurance
  • Public Liability Insurance
  • Product Liability Insurance
  • Legal Expenses Cover
  • Tools and Equipment Cover
Industry Recognition

Recognised Across the Industry

Shortlisted and named a finalist at leading UK insurance industry awards, recognising our expertise and continued growth.

Shortlisted

Commercial Lines Insurance Broker of the Year

2026 UK Broker Awards

Shortlisted

Insurance Broker of the Year, London & the South East

2026 UK Broker Awards

Finalist

Insurance Broker of the Year

2025 Insurance Times Awards

What Clients Say

5.0
EXCELLENT · Based on 350+ reviews on Google
MG
Marin Gobjila
Verified Google Review

“I recently worked with eCovers Insurance Brokerage and was thoroughly impressed. They demonstrated deep expertise and tailored their recommendations to perfectly suit my needs. The team was incredibly responsive and made the entire process smooth and stress-free. What stood out most was their honesty and transparency—there were no hidden fees or pressure to choose the most expensive policy. I highly recommend eCovers for anyone seeking knowledgeable and customer-focused insurance services.”

AS
A Sas
Verified Google Review

“Highly professional and knowledgeable insurance broker. Provides personalized advice, quick responses, and excellent customer service. Helped me find the best coverage at a competitive price. Highly recommended!”

CG
Costel Gheorghiu
Verified Google Review

“Best cover, I recommend this broker to anyone looking for commercial or vehicle insurance in the UK.”

ND
Nicu Deordita
Verified Google Review

“Great service with very helpful staff! Everything was explained clearly and the policy was sorted out quickly.”

CA
Cosmy Aluculesei
Verified Google Review

“I had a great experience with Ecover everything was handled smoothly, professionally, and with real attention to detail. The team made the whole process easy to understand and stress free, which I really appreciated.”

IG
Ion Grigore
Verified Google Review

“Elena helped me a lot, providing all the information and support to choose the right insurances at a reasonable price for my truck. This is the 2nd year and I will carry on year by year as the service is provided same when needed.”

SH
Stefan H.
Verified Google Review

“Had a few issues with my insurance and Andrei was the best in helping out and giving me the best quote possible. If it wasn't for him, I would have to pay almost 3 times over the quote he managed to get for me. Great guy, really recommend.”

LB
Lithium Black
Verified Google Review

“Very professional and helpful people! Always available to answer queries and guide through policy options. Will work with them in the future!”

GR
George Rus
Verified Google Review

“Worked with them for a while, no complaints, helped me with everything and answered every question promptly.”

LN
Lari Nicolae
Verified Google Review

“Good services and great assistance from the brokers. Very reliable and responsive whenever needed.”

Why Clients Choose Us

6,000+
Clients Assisted
30+
Insurance and Underwriting Partners
300+
5 Star Reviews
30+
Years of Combined Experience

Insurers & Markets We Work With

We work with a broad panel of insurers, MGAs and specialist markets to find suitable cover for our clients.

Employers' Liability Insurance Questions

Ready to Speak to a Broker?

No obligation. We compare the market for you and come back with a clear recommendation.

Call 0208 125 7662

Monday to Friday, 8am to 6:30pm

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