What is Employers' Liability Insurance?

Employers' Liability (EL) insurance covers a business against claims from employees who are injured or made ill through their work. It is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969 for almost every business with staff, with a minimum cover of £5 million. The certificate must be displayed or accessible to employees, and failure to hold EL cover carries fines of up to £2,500 per day.