Employers Liability Insurance

Busy Office with Workers

SME Insurance

Employers Liability Insurance

When business grows, it is often a good time to begin employing staff and creating new roles for talented people to fill.

With the added responsibility of becoming an employer comes the added risk too! When businesses employ staff, even if that is just one additional person, Employers’ Liability insurance is often a legal requirement. Erskine Murray can help you to find the right EL insurance policy as either part of a tailor made policy, or as part of a package of business insurance policies.

Who Needs Employers’ Liability Cover

Most businesses who employ staff, be they permanent members of the team, temporary workers or contractors, will usually be required by law to hold valid employers’ liability insurance. This type of insurance cover protects you against the cost of compensation claims which arise from employee injury or illness which is sustained as a result of their work for you. There can be strict penalties issued for businesses which are not covered.

Whilst employers’ liability is an important policy to hold, there are other policies which can also make a big difference to your business risk management. Erskine Murray can help you find products including public liability, professional indemnity, Directors and Officers Insurance cover and other business insurance policies to suit your needs.

Temporary Worker Employers’ Liability

Even if you plan to employ short term, temporary or other casual workers, it is still usually a legal requirement to hold valid employers’ liability cover. Speak to the team at Erskine Murray to put together the right package of business insurance cover to match your needs and requirements today.

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SME Insurance by Sector

Professional Indemnity

Often referred to as 'PI', a profession-based risk management package.


Your clients call on you for your expertise, knowledge and skill, whether you are a quantity or land surveyor.

Business Owners Policy

Business Owners Policy, is an enhanced business insurance policy which combines property insurance alongside general liability insurance.

Contractors All Risk

Whilst all construction sites are different, there are still common risks and threats shared by them all.


As a consultant, your clients rely on you for service and advice as well as being an expert in your field of work.

Tradesman Insurance

With thousands of different trades in the UK, Erskine Murray can help tailor individual insurance products specific to your needs.

Warehouse Insurance

The insurance needs for warehouses can be very specific with different warehouses requiring different levels of insurance cover to manage risks.

Who do I


If you would like to talk more about your SME Insurance needs please contact Rob.

Rob Marshall

Head of SME

Who do I


Rob Marshall

Head of SME

Employee Benefits

Have you considered an Employee Benefits package? Such a policy can help you attract and retain a highly skilled and dedicated workforce.

Professional Indemnity

Our PI arm are specialists in providing PI insurance for architects, consulting engineers and the construction industry.