Insurance For Employers

Employers Liability Insurance

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 25 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.

Employers Liability Quote: 0161 763 8222

Client Testimonials

ARC Childrens Home

"I have relied upon B&M's expertise and knowledge for insurance for many years. Their focus on proactive, professional customer service has been a great benefit to our company. Gareth and the rest of the staff at Insurance Price have taken the hassle factor out of insurance needs. I would highly recommend them to anyone who appreciates service way beyond the norm."

ARC Children's Home Surrey

"I just wanted to send a note to thank you for all of the work you have done for General All-Purpose Plastics over the years. You have consistently guided us in a professional way through the complex and seemingly ever changing world of insurance. We trust you to ensure that you find us the most appropriate policy for our needs, with an insurer who is well established and efficient and at a price which is competitive."

General All Purpose Plastics Blackburn

Meet The Team

Gareth Williams

Gareth Williams

Gareth has a solid 20 years experience, holding a Certificate from the Chartered Insurance Institute (CII).


Kevan Haughton

Kevan is has knowledge and experience in all industries having worked with businesses for over 25 years. Certified by the Chartered Insurance Institute (CII).


Ryan Hinnegan

Ryan joined B&M Insurance after graduating in 2003, dealing with the administration of the insurance policies we offer to our clients.


Rebecca Watkins

Rebecca graduated in 2012 and has worked with B&M ever since. She is currently studying for her Certificate in insurance via the CII.