Employers Liability (EL) Insurance is one of the key insurances required by contractors who employ staff. The policy provides cover for the cost of legal representation and compensation arising from claims made against your company for bodily injury or property damage suffered by employees in the course of their work.

End clients and recruitment agencies will typically require you to hold Employers Liability insurance, usually with a minimum level of cover of £10 million, before allowing you to start an engagement. Employers Liability insurance can only be purchased as an extension to a Public Liability insurance policy and, importantly, it is the only business insurance you are legally required to hold if you employ anyone through your limited company other than yourself.

It is a common misconception that the insurance held by an end client or recruitment agency automatically extends to contractors working for them. In almost all cases, this is not true. Without Employers Liability insurance in place, contractors can be left highly exposed to costly claims, which is why holding adequate EL cover is essential.

Roots Contractor Mortgages is part of Roots Contractor – which also consists of specialist business insurance provider Roots Contractor Insurance, and IR35 status assessment experts The Contractor Compliance Portal.

The Contractor Compliance Portal is a completely free platform that allows contractors to assess the IR35 status of their engagements, obtain instant results, and download documentation to be used as evidence if HMRC open an investigation, to compare to a SDS, or just for curiosity!

Roots Contractor Insurance is a 24/7/365 quote & buy platform that allows contractors to take out contractually required business insurances such as Professional Indemnity, Public & Employers Liability and IR35 Insurance.

All companies are part of Vestura Group – a fast growing, agile and dynamic group of specialist financial services businesses.

The Employers Liability (EL) insurance is one of the most competitive products on the market for the trades we cover, both in terms of cover and price. Premiums start from just £50.00 (inclusive of Insurance Premium Tax) when taken as an add-on to a Public Liability insurance policy.

To give you even greater peace of mind, the excess payable in the event of a claim can be reduced from £500 to £0 for a small additional cost.

The Employers Liability policies are underwritten by some of the largest insurers in the world, with claims handled by leading UK legal firms. This ensures you receive expert representation and a level of protection that truly stands out in the market.