Employers' Liability Insurance Calculator

Estimate employers' liability insurance premiums by industry and annual wages. Legal requirement for UK businesses.

Number of Employees

Total Annual Wages

Business Type

Estimated Annual Premium

£525.00

£43.75/month · £105.00/employee

Rate

£3.5/£1K wages

Min Cover Required

£5M

Per Employee

£105.00

Employers' Liability Insurance is a legal requirement for most UK businesses with employees. Minimum cover: £5 million. Fine for non-compliance: up to £2,500 per day. Rates vary by industry risk and claims history.

Disclaimer

This calculator is provided for informational purposes only and should not be considered as financial or tax advice. All calculations are performed locally in your browser — no personal data is collected or sent to our servers. Rates and thresholds are sourced from HMRC and GOV.UK and are updated for the current tax year. Always verify results with HMRC or consult a qualified professional before making financial decisions.