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Employers Liability Insurance

By law, you must have employers liability insurance in place if you employ one or more people. This protects you in case a member of staff suffers an injury or illness whilst working for you and decides to make a claim against your business for compensation.

B&M Insurance have been providing cover to our customers for over 28 years. As an independent insurance broker, we have access to competitive premiums across the market and can hand pick the strongest policy from our leading insurance partners. Eliminating the risks your business faces.

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Employer Policy
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Insurance For Employers

Essential cover

As your business naturally grows and progresses, you will look to add new employees. This carries risks, if an employee is injured or falls ill as a result of negligence on your business premises, you will be held liable to pay compensation. It is also a legal requirement.

The law

You are required to get employers liability cover as soon as you become an employer. The government state that the minimum policy must cover £5 million and come from an FCA authorised insurer. You could be fined up to £2500 per day you are not covered correctly. Call 0161 763 8222 today.

Why B&M Insurance?

  • Insurance provided by leading UK insurers
  • Everything is run from our offices in Bury
  • Trusted by over 3000 Manchester businesses
  • Tailored quotes to your specific needs
  • Quote comparisons from multiple insurers
  • Over 28 years providing excellent service

Do I need employers liability insurance?

Do you employ people that are not family members?

In 1968, the Employers (compulsory insurance) Liability Act was filed ensuring employers have a minimum level of protection in the event an employee makes a claim following injury, financial loss or damages sustained within your premises or resulting from working for you.

If you employ a person who is not directly related to you (family) then you are legally required to carry a certificate for EL insurance. This includes contractors, casual workers and temporary staff in addition to any full time permanent staff. This ensures you are covered if an employee becomes ill or is injured as a result of working for you.

Employers' liability insurance

If you employ staff, it is a legal requirement to carry employers' liability insurance. If a member of staff is injured or falls ill and you are found to be negligent, the cost legal proceedings could damage your business if not insured, not to mention you can also receive a fine of up to £2500 per day that you do not carry a valid certificate for employers' liability.

Reduce your risks

Workplace health and safety

Defend your business from the offset, carry on as you mean to go on and reduce the risk of claims. Employing good health and safety practices will reduce the amount of accidents and illnesses. Ensure you carry out regular risk assessments and know the regulations of your industry inside and out.

Once you have a policy, ensure that your insurance certificate is visible to employees and HSE inspectors when they visit.

Hassle Free & Tailored To You

  • Initial Enquiry

    Contact our team on 0161 763 8222 or get a free quote.

  • Identify Needs

    Our team will will discuss your requirements.

  • Compare Price

    We will provide competitive quotes tailored to you.

  • Optional Extras

    Choose from a wide range of options for other risks.

Customer Reviews

Rating: 4.9 out of 5 from Yell.com

5 Stars

Michael T

Highly Recommended


5 star rating says it all - I have been dealing with Kevan and his team for more than 15 years for both business and personal insurance. I have always received exceptional service and advice - highly recommend.

5 Stars

Justine W

Outstanding from B&M


Having used Bricks and Motor for many years we can highly recommend using them. We are only a small business and Bricks and Motor provide us with the most competitive prices suiting our individual business requirements. Kevan and the team are professional and friendly with excellent communication. An outstanding service!

5 Stars

Craig M

Five Star for B&M


I've just recently joined B&M as I had previously been with the same company for past few years, Rebecca was very friendly and efficient, B&M blew any recent quotes (fleet insurance) I had out of the water, I won't be going anywhere else! Thank you

Our Team: 138 Years Combined Experience

Kevan Haughton

Kevan Haughton

Rebecca Watkins

Rebecca Watkins

Ryan Hinegan

Ryan Hinegan

Julia Alberto

Julia Alberto

Daniel Fay

Daniel Fay

Kelly Naisbitt

Kelly Naisbitt

Find out more about our team of insurance brokers

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4.9 / 5

Client Rating


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