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Employers’ Liability Insurance
We provide competitive employers’ liability cover for a wide range of businesses, regardless of size or complexity.
Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years of experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of business liability insurers to find competitive cover
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
Search the market
We identify the policy that best suits your business requirements.
Your business insured
Complete your business liability insurance purchase online in minutes or over the phone.
Get a quote
What is employers’ liability insurance?
Employers’ liability insurance can compensate your business if an employee becomes ill or injured due to work. Your policy can also cover the legal costs incurred in defending a claim.
Employers are responsible for the safety of their employees in the workplace. An employer’s liability insurance policy is required by law for almost all UK businesses with employees, with very limited exceptions. Costly fines can be incurred if a business fails to have this type of insurance. Contact us if you have any questions about whether your business legally requires this policy.
Why employers’ liability insurance is important
Under UK law, employers’ liability insurance is compulsory for almost all businesses. However, it offers other benefits besides legal compliance.
Employers’ liability insurance may cover lost wages, medical bills and legal fees. It enables employers to be protected from potentially extreme financial impact.
Ultimately, having employers’ liability insurance shows your duty of care for your employees and can be helpful cover in many situations.
What employers' liability insurance covers
Employers’ liability insurance can cover the cost of compensating employees who are injured or become ill through work. It covers claims from:
Permanent employees
Contract and seasonal employees
Labour-only subcontractors
Temporary staff, including students and people on work placements
Volunteers
What happens if you fail to get employers’ liability insurance?
Unlike many other types of insurance, employers’ liability insurance is often legally necessary. Under UK law, most employers must have at least £5 million of employers’ liability cover. Failing to do that can result in a fine of up to £2,500 per day you are not adequately insured.
Why choose radius?
Our international presence impacts over 470,000 businesses across five continents.
Expertise
Our team has over 36 years of experience helping more than 470,000 customers globally
Trust
We are an internationally-acclaimed provider with numerous awards for our products and services.
Choice
Choose from our range of fleet, mobility and connectivity solutions that can be tailored to suit your needs.
Solutions
Use our award-winning technology and services to save your business time and money.
Can’t find what you are looking for?
Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.