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Employers' Liability

With the breadth of knowledge and expertise we’ve built up over 70 years in liability insurance, there are few risks we’re unable to consider.

We offer Employers’ Liability insurance to companies in the UK and Ireland. This covers organisations for their duties under the Employers’ Liability (Compulsory Insurance) Act 1969 to insure against liability for bodily injury or disease sustained by employees.

Ability to consider almost any risk

Our team has extensive expertise spanning a broad range of sectors and industries. Having been a market leader for many years, we have developed the know-how necessary to take on even the most unusual risks. Added to that, our approach is entrepreneurial and proactive; we’ll always try to find a solution for your particular challenges or opportunities.

Always by your side

Our team has earned a reputation for not retreating from trades or organisations that may be facing challenging conditions. We offer genuine stability and continuity and seek to establish long-term relationships with our customers, many of which have benefited from our consistent approach over numerous years.

Individually structured programmes

We work hard to understand your needs so that we can structure a programme that meets your specific requirements. Policies can either be considered on a primary basis, with a deductible retained by the insured, or in excess of another policy. The maximum capacity we are able to provide to any single customer is £100m.

Responsive, local service

Our underwriters have the experience and authority to respond quickly and efficiently to the often urgent requirements of our customers. We have liability underwriters across the UK, with offices in London, Bristol, Birmingham, Stafford, Leeds, Manchester, Glasgow and Belfast.

Complementary services

As well as providing insurance, we offer a range of services to support your business. For example, our Risk Solutions team can help you to identify and reduce your risks. Our Claims team is highly regarded and works closely with a strong legal panel, and our designated Fraud team has had a number of high-profile successes. Our experienced Rehabilitation team can help your employees get back to work promptly following an accident.

Make a claim

If you do suffer a loss, our Claims team is highly experienced at dealing with large, complex claims and will work closely with you to provide the best possible defence and help you get back to running your business as quickly as possible. Download our short guide to making a claim.


Phone: 0800 876 6399


Your contact

Your contact

Anna Bennett

Anna Bennett

Director of Underwriting - UK Casualty

+44 20 7105 4336

If your business is registered in Continental Europe, please contact Franco Masciovecchio, Head Of European Casualty, on +44 203 465 3115 or via email

If your business is registered outside the EU, please contact Lavinia Johnson, Director of International Casualty, on +44 20 7105 4661 or via email

Need to trace an EL insurer? Find out more about the Employers’ Liability Tracing Office