Loading

Insurance Over 30 Years

Low premiums via leading insurers

Lowest premiums from leading UK insurers

AXA Insurance
Allianz Insurance
Aviva Insurance
Zurich Insurance
Victor Insurance
Aeges Insurance
QBE Insurance
RSA Insurance

Coronavirus Update

We wanted to reassure you that in respect of the COVID-19 outbreak, we are confident that we can still provide excellent service to individuals and businesses throughout this challenging time.

For more information about how our team can work from home and helpful contact information, please click here.

Employers' Liability Insurance

If you employ one or more people to work for your business, you will need a suitable employers' liability insurance policy to meet the minimum legal requirement. 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.

We have been helping local businesses with their employers liability cover for over 30 years. Our team can search the market for you to find adequate cover of £10 million, for the best price we can and from insurers you can trust. Eliminating the risks your business may face at a price you can afford.

Get your free quote Blue Arrow

Employer Policy
Shop Employee

Insurance For Employers

Black Squares

Protect your employees

Encapsulate protection for all employees under a single policy including: full time, part time, contractors, volunteers and temporary workers. Comprehensive cover can be arranged quickly for both small and large businesses that need a tailored solution to cover unforeseen incidents in the workplace.

Legal requirement

As an employer, 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 of legal proceedings could be financially damaging to your business. Fines up to £2500 per day can be issued if adequate cover is not in place.

Why B&M Insurance?

  • Grey Tick Excellent service over 30 years
  • Grey Tick Compare leading UK insurers
  • Grey Tick Trusted by over 3,000 customers
  • Grey Tick Tailored quotes to your specific needs
  • Grey Tick Comprehensive levels of cover
  • Grey Tick Professional team based in Manchester

Employers' liability cover explained

Employers' liability insurance, also known as EL insurance, secures your business against the cost of a legal claim issued by current or ex members of the workforce if they are injured or suffer sickness when working for you. Any claims for compensation in the workplace can be costly but with the right levels of cover in place, you needn't worry if an accident happens. We can get to know the integral structure of your business and the finer details about what your employees do, then find suitable cover of £10 million from our panel of leading UK insurers.

The Employers Liability Act

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 we can help you obtain 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.

"Excellent service. Very polite and helpful in every phone call. They always check that all paperwork has come and that it's right."

Do you need public liability insurance?

If you require employers' liability insurance, it is likely you may also need public liability insurance cover if your business interacts with clients or members of the public. This product can protect your business financially against property damage and personal injury claims in the event an accident happens and your business was deemed negligent. Our experienced team specialises in liability insurance and can build a single policy tailored to your business requirements following independent market comparison.

"I have used B&M Insurance for many years now for all my insurance needs, car, home, business, holiday etc and the service is always first class. Kevan and his staff are always friendly and helpful with any advice or quotes, and the speedy and professional manner is second to none. Highly recommended!!"

Grab an employers' liability insurance quote

We can help defend your business from the offset. With over 30 years of experience helping businesses in Greater Manchester get the correct level of cover they need, we can assess the risks you face and provide you with a comprehensive policy at an affordable price. Once you have a robust policy in place, clearly display your insurance certificate to your employees and HSE inspectors to see when they visit your premises. If you also implement good health & safety practices along with regular risk assessments, this should help reduce the amount of accidents and illnesses that occur in your business. Don't forget, we are only on the other end of the phone if you ever need any help.

"We have dealt with B&M Insurance for many years now and would have no hesitation in recommending them. Their service is always professional, prompt and they are a pleasure to deal with."

Business Insurance Experts

Light Square
Red Star

91% Renewal Retention

We strive to build a strong relationship with our clients. Ensuring quick and informed responses - with no delays.

Red Heart

Invaluable Experience

Our team of 8 has over 138 years combined insurance expertise and are duly qualified to help you.

Red Graph

3,150 Live Policies

We insure firms with just one person right up to companies with 738 staff, 205 vehicles and a turnover of £120,000,000.

Red Scissors

Tailored Package

Comprehensive insurance products tailored just for the needs of your business requirements.

Red Pin

Local Protection

As a local broker we can look after your business on a more personal basis. Pop in to see us or we can arrange to visit you.

Green Cup

Trusted UK Insurers

We present the most suitable policy based on the quality of cover after comparing up to 30 UK insurers.

Contact our team on 0161 763 8222 or request your free quote

Customer Reviews

4.9 Star Rating Rated 4.9 out of 5 on Google

5 Stars
Derek Whitaker

Derek W

Five Stars for B&M


Great people to deal with at B&M, always get a fantastic insurance quote and that's why I've been with them since 2004 and will continue to use them.

5 Stars
Christine Bell

Christine B

Highly Recommend


Very helpful and nothing is to much trouble will go the extra mile for you and competitive. Nice guys.

5 Stars
Barry Worrall

Barry W

Excellent Price


5 Star Service, excellent price, also customer service was more than helpful.

Would highly recommend B&M Insurance.

Our Team: 138 Years Combined Experience

Kevan Haughton

Kev Haughton

Julia Alberto

Julia Alberto

Ryan Hinegan

Ryan Hinegan

Kelly Naisbitt

Kelly Naisbitt

Daniel Fay

Daniel Fay

Lynda Marney

Lynda Marney

Find out more about our team of friendly insurance specialists

Trusted by 3,000 in Greater Manchester

Call 0161 763 8222 for a free quote

We have placed cookies on your device to improve the website and enhance the users experience. Please view our Cookie Policy for more information about the cookies we use.

4.9 Star

Smile Rating

Client Rating


RatedGoogle Smile Rating Arrow