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Employers' Liability insurance for your charity

If your charity employs people in any capacity, you have a duty to protect them. Our charity Employers' Liability insurance protects you if you are found legally liable for injury, including illness, and death caused to an employee whilst carrying out their business duties.

Our Employers' Liability insurance includes:

  • A minimum of £10 million of cover for claims made by employees against your organisation (the legal requirement minimum is £5 million)
  • Protection for those on work experience with your organisation
  • Reimbursement of court attendance costs following a claim under this policy

Customers who buy Employers’ Liability also usually buy Public Liability insurance which protects your organisation if you have volunteers working for you. You might also have volunteers or employees driving vehicles on your behalf, in which case, take a look at our Motor insurance cover.

Our 10 questions to make buying insurance simple document explains more about the types of insurance you might need.

Get a Employers' Liability quote

Getting a quote is easy

Get a quote

Call us on 0800 917 9420

Why would I need this cover?

Employers’ Liability covers you against compensation you might have to pay, as damages, in respect of injury caused to an employee whilst they are at work.

Employers’ Liability insurance also covers organisations that need to defend themselves against actions taken against them for breaches of Health & Safety laws.

For example:

An employee of a charity trips over a computer cable and twists their knee, which results in a prolonged period of physiotherapy and treatment to recover. They subsequently claim against the charity, alleging negligence in that such an obvious ‘trip hazard’ should have been identified and resolved. The charity’s Employers’ Liability cover would settle this claim (within the conditions of the policy).

For more information about our Employers’ Liability insurance, or more details on our charity insurance, please feel free to contact one of our friendly experts on 0800 917 9420 or email