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EMPLOYERS' LIABILITY INSURANCE

Secure your employees and protect your business

Cover your staff for any compensation claims or legal fees with Tide’s Employers’ Liability (EL) Insurance – it’s easy, affordable and you can get an online quote in minutes.

Simply open a Tide account and get a quote for business liability insurance directly through the Tide app – we offer cover up to £10M*.

Get a quote

Already a Tide member? You can get a quote directly within the Tide app under the Finance tab.

Tide I.S. Limited is an appointed representative of Able Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 311649).

*Eligibility criteria and T&Cs apply.

Benefits of Tide business insurance

Protect your business quickly and easily – with no unnecessary questions or fuss.

Flexible

Get a quote in minutes via the app, pay monthly and cancel your annual policy at any time.

Seamless payments

Get monthly reminders when your payments are debited from your Tide business account, no manual setup needed.

One-stop shop

Manage all policies and documents in one place via the app. Get member support for any questions and look forward to new cover options coming in 2026.

Get a quote

What is employers' liability insurance?

What is employers' liability insurance?

Employers’ Liability Insurance in the UK is a legal requirement, for most businesses that have employees, under the Employers’ Liability Act 1969.

It’s a type of business insurance policy that covers legal costs and compensation if an employee is injured or becomes ill due to work-related activities.

What does employers' liability cover?

What does employers' liability cover?

Employers’ Liability Insurance protects all types of workers from full-time staff to apprentices, volunteers or any self-employed contractors you hire. This insurance covers them for:

Compensation

If your employee has a work-related illness or injury. For example, a repeated strain injury from machinery.

Medical expenses

Covers the costs of any medical treatment your employee requires as a direct result of working at your company. For example, hospital fees.

Legal fees

Costs associated with defending your business against a claim. For example, a legal dispute filed by an employee over negligence.

Get a quote

Disclaimer: Employers’ Liability insurance isn’t required for employees that are family members, sole traders, partnerships, bona fide subcontractors and limited companies with only one director or no employees.

Get UK employers' liability insurance in just a few steps

  1. Download the Tide app

  2. Tell us about your business and verify your identity

  3. Your business account is approved and ready to go

  4. Get a quote and purchase your policy via the app*

Open a business account

*Eligibility criteria and T&Cs apply.

What do I need to get an employers’ liability insurance quote?

Getting an employers’ liability insurance quote at Tide is simple – you just need some basic information about your business to get started.

Business details like name, address and type

Size of your team

Your business’s financial background

Annual revenue

Get a quote

Employers’ Liability Insurance vs Public Liability Insurance

The difference between these two policies is simple – employers’ liability covers claims from employees whereas public liability covers claims from non-employees.

Employers’ Liability Insurance

Who it covers: Employees, volunteers, trainees.

Legal requirement: Yes, for most businesses.

Example: An employee slips on a wet floor and injures themselves.

 Get a quote

Public Liability Insurance

Who it covers: Third parties, customers and visitors.

Legal requirement: No.

Example: A contractor accidentally damages a client’s property.

 Learn more

Tide business insurance policy documents

At Tide, we believe business insurance should be transparent and easy to understand. After you get a quote, we’ll send you a document that clearly breaks down your cover and what it includes.

Public and Employee Liability Policy Summary

See policy details

Professional Indemnity Summary

See policy details

Insurance Policy Wording

See policy details

Join over 1.5 million members worldwide

What members say about Tide

Charlotte Davitt-Mills
Shotley Vineyard

"Tide works in harmony with your business. It's really user friendly and it's there alongside you kind of every step of the way, helping you grow your business."

Matt Herd
Beaucroft Watches

"Everything became digital, and Tide just made it so easy. Everything was easy to set up. We didn't need tremendous amounts of paperwork or history to set up an account."

Aaron Mo
Ong Ong Buns

"With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business."

Ismail Uddin
NYAS Studio

"We were just in Portugal last week where we were having to make some payments and pay invoices, and I was just doing it from my phone on the beach...that was good."

Questions about employers' liability insurance?

Find answers to all our most frequently asked questions in our Help Centre.

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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