Find a specialist employers' liability insurance broker
Employers' liability cover is a legal requirement once you employ anyone — and it's priced on your trade, headcount and claims history. CoverBroker matches you with a broker who places workforce risks daily, so your renewal is negotiated properly instead of auto-renewed.
Free, no obligation — you don't pay a fee to be matched.
How we match your workforce risk
The right employers' liability broker depends on who you employ and what they do. When you submit an enquiry we ask about your workforce, trade and claims history, then match on the criteria below.
Workforce and trade
Builders, cleaners, drivers, warehouse staff and office teams — we match you with brokers who place your workforce's risk daily.
Payroll and headcount
Brokers who size your indemnity limit to your real payroll and headcount, including casual and part-time labour.
Height, heat and subcontractors
Underwriters load on work at height, hot works and labour-only subbies. The right broker presents these accurately so the price holds.
Claims history and excess
Brokers who frame your claims history honestly and negotiate an excess you can carry at claim time.
Your documents are safe
Upload your current employers' liability schedule, statement of fact or renewal invitation. Here is exactly how they are handled.
Secure storage
Your employers' liability documents are encrypted at rest and shared only with your matched broker.
GDPR-ready
UK & EU data protection. You can delete your documents at any time.
No obligation
Free to use. If the broker cannot improve on your current terms, you simply stay where you are.
Employers' liability questions
- What is an employers' liability insurance broker?
- An employers' liability (EL) insurance broker specialises in placing the cover that is legally required in the UK once you employ anyone — including casual, part-time and subcontracted labour. They approach the specialist EL markets that price workforce risk on your trade, headcount and claims history, many of whom don't appear on comparison sites.
- Is employers' liability insurance a legal requirement?
- Yes. In the UK, if you employ anyone you must hold employers' liability insurance by law, with a minimum indemnity limit of £5 million (most policies offer £10 million). Failing to hold it is a criminal offence that can lead to fines per day uninsured. A broker ensures the cover is properly placed and compliant.
- Why use an employers' liability broker instead of a comparison site?
- EL premiums load heavily on the detail: the work your employees do, whether they work at height or with heat, subcontractor arrangements, payroll and claims history. A broker who places workforce risks daily presents your operation accurately so the price holds, and negotiates the excess and endorsements around how you actually run your team.
- What documents help an employers' liability broker quote accurately?
- Your current EL schedule, statement of fact and renewal invitation. If you have them, a payroll breakdown and a claims history summary help too. Upload whatever you have — your matched broker will tell you if anything else is needed.
- Is the introduction and AI review free?
- Yes. The introduction to a specialist employers' liability broker and the optional AI review of your current policy are both free. If a broker takes your enquiry forward, they may pay us a referral fee.
Unsure whether the legal requirement applies to you? Read our guide: Do I need employers' liability insurance?
Looking for a related specialist? See our public liability insurance broker and construction insurance broker pages.
Get an employers' liability broker quoting on your renewal
Upload your schedule or statement of fact and we'll introduce you to a specialist employers' liability broker — with an optional free AI review of your current cover.