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Employers’ Liability insurance

Camera lenses

Perfect peace of mind for professional photographers.

If you are a professional or semi-professional photographer who employs people, you are required by law to have Employers’ Liability insurance. This is because there are particular risks within your industry, such as injuries caused by carrying and moving heavy equipment. For your own peace of mind, you should ensure that you have the correct Employers' Liability cover in place before taking on any employees.

What is Employers’ Liability insurance?

Employers’ Liability insurance cover protects you and your business from any compensation claims following accidental bodily injury to any current or ex-employees, caused whilst working for you.

What does Employers’ Liability insurance cover?

If any of your employees fall ill or sustain an injury as a result of working for you, Employers’ Liability insurance will provide cover against the cost of any compensation claims that might be awarded to the ill or injured employee. If your business has any employees, Employers' Liability insurance is a legal requirement as you are responsible for the health and safety of your employees. The Employers’ Liability (Compulsory Insurance) Act 1969, protects employees against the risk of injury at work and ensures that businesses that employ people have the correct insurance. If you employ people, you can be fined and prosecuted if you are found not to have Employers’ Liability insurance.

How much Employers’ Liability insurance do I need?

The minimum amount of Employers’ Liability insurance required by law is £5m, and our cover is fixed at £10m.

Can I just buy Employers’ Liability on its own?

Our Employers’ Liability insurance is an optional add-on and you will need to add Public Liability insurance before you can include it. As you are protecting your business, you may also need Professional Indemnity insurance too.

Any questions?

If you have any queries about our cover, please check our Important Documents or the FAQs.

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