Tide Logo

Start Your Business

Business Accounts

Credit

Business Tools

Support

Tide Logo
Tide Logo
Tide Logo

EMPLOYERS' LIABILITY INSURANCE

Protect your employees from just £7 per month*

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 employers' liability insurance directly through the Tide app – we offer cover up to £10M.

Get employers' liability cover

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

Tide Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FRN: 1040067)

*Prices shown are for basic coverage. You will get your actual price once you complete a quote. 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 your policies and documents in one place and get member support via the app. Enjoy a growing range of insurance options that scale with your business.

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. Tide’s policy covers you 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 employers' liability cover

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.

Get everything you need from your free business bank account

With over 1.5 million freelancers, contractors, and scaling businesses trusting in Tide worldwide, we’re committed to building you the best business bank account to help you set up your business smoothly. 

Payment Links

Generate and send Payment Links for quick online card transactions.

Invoicing

Create, track, and send branded invoices straight from the Tide app to get paid faster. 

Tap to Pay on iPhone

Accept contactless payments securely on your smartphone - no additional hardware needed.

Apple/ Google Pay

Set up a digital wallet to make every payment effortless.

International payments

Access your IBAN number in the app to send and receive international payments in a few taps.

Virtual Cards

Pay for your online subscriptions and ad expenses with our Virtual Cards.

Open an account

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

Annual revenue

Your business’s financial background

Get employers' liability cover

Explore more business insurance policies

Whatever your industry, we’ve got you covered. Discover our full suite of business insurance options and get a quote in minutes. For more details, check out our policy documents.

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. For more information on our insurance covers, go to our policy documents page.

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.

 Open an account