Employers Liability Insurance

Employers Liability Insurance is a legal requirement that protects your business against compensation claims from employees who are injured or become ill as a result of their work.

Get a quick quote

Tailored Cover for UK Trades & Contractors

Rapid Claims Support, 24/7

Transparent Pricing & No Hidden Fees

Employers Liability Insurance for Contractors

If your business has employees, you require Employers Liability Insurance to cover your business in the event of a claim for compensation if one or more of your employees were to be injured or become ill whilst at work.

An example of a situation when you would need to claim on your Employers Liability Insurance would be if an employee is injured while working on machinery without the proper safety precautions being in place.

Employer’s Liability Insurance also covers your business against claims for employee illnesses that have been contracted as a result of working for you, even if they manifest after the person has left your employment. For this reason, you must keep on file all documentation related to your Employers Liability Insurance even if it has expired.

Let’s discuss your options

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

An example of a claim

A self-employed contractor was working exclusively for the insured business. While at work he jammed his hand in between a lintel and a metal bar, causing a serious laceration.

What did the insurer cover?
The insurer paid out damages to the contractor under the Employers Liability Insurance cover at a cost of £49,990

What level of employers liability cover do you need?
Employer’s Liability claims can be very expensive and as such the standard level of cover of business insurance policies is £10 million. CHAS Insurance can arrange much higher levels of cover depending on your business size.

Get started today

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

Details to look out for

If you do not take out Employers Liability when you employ staff, you could be fined £2,500 for each day you are without adequate cover.

Be careful to put down the correct number of clerical and manual staff if you employ both types of employees.

Immediate members of your family who work for you do not count as employees for Employers Liability Insurance; however, casual workers, part-time workers and temporary staff do count.

Talk to us today

We work with contractors accredited by the following organisations…