How much does employers' liability insurance cost?

Last updated
July 9, 2025
How much does employers' liability insurance cost?

The price of your employers' liability insurance will vary, depending on the number of employees you have, the industry you operate in, as well as the type and level of risk your business faces most often.

To give you a rough idea, here are a few examples of the approximate costs you can expect to pay:

  • According to AXA, 10% of their employers' liability insurance customers paid £42 or less for their cover in 2020
  • NimbleFins [indicated](https://www.nimblefins.co.uk/business-insurance/employers-liability-insurance-uk/average-cost-employers-liability-insurance-uk#:~:text=The average cost of employers,expensive types of business insurance.) that the average cost of employers' liability insurance ranges from about £61 per year for a single office worker, up to £213 or more for a trade worker for a small to medium-sized business in the UK.

To obtain a more accurate estimate, your best option would be to run an online quote with the insurance provider you're looking to purchase from.

The price of your employers' liability insurance will vary, depending on the number of employees you have, the industry you operate in, as well as the type and level of risk your business faces most often.

To give you a rough idea, here are a few examples of the approximate costs you can expect to pay:

  • According to AXA, 10% of their employers' liability insurance customers paid £42 or less for their cover in 2020
  • NimbleFins indicated that the average cost of employers' liability insurance ranges from about £61 per year for a single office worker, up to £213 or more for a trade worker for a small to medium-sized business in the UK.

To obtain a more accurate estimate, your best option would be to run an online quote with the insurance provider you're looking to purchase from.

Employers liability insurance costs
Online Accountants
Speak to a small business accountant

Free 20 minute accounting support to discus your business insurance needs.

Take home pay calculator
CalculatorsTake home pay calculator

Use our limited company take home pay calculator to instantly determine your net income after corporation tax, dividend tax, and National Insurance contributions. Simply input your company profits and desired salary/dividend split to see exactly how much you'll receive as a director, helping you optimise your tax-efficient extraction strategy.

Calculate now

Business Insurance Guide
Free download
Business Insurance Guide

This is our ultimate business insurance guide. We help walk through the specific business insurance elements you may need to consider for your business as well as relevant partner offers.

Email address:

Thank you for downloading our free guide. We've sent you an email with your guide!
Oops! Something went wrong while submitting the form.