Do you need employers' liability insurance?
Employers' Liability (Compulsory Insurance) Act 1969
When this applies
Employers' Liability insurance is compulsory if you employ anyone, including part-time and casual workers. Cover must be at least £5 million. Failure to hold valid insurance risks fines of up to £2,500 per day.
When it does not apply
Not required if you have no employees. If you take on staff, even one part-time worker, this becomes a legal requirement from day one.
What is at stake
Fine of up to £2,500 per day for operating without valid Employers' Liability insurance. Fine of £1,000 for failure to display the certificate.
What to do
Obtain Employers' Liability insurance with at least £5 million cover from an authorised insurer. Display the certificate in the workplace (physical or digital).
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Check your business →Reviewed: 2026-06-25 · Source: official guidance