PJ Brooks & Co Insurance Brokers
PJ Brooks & CoInsurance Brokers

Employers' Liability Compulsory Insurance Act

The obligation for every employer to insure against bodily injury, illness or disease to any employee arising out of and in the course of their employment is imposed by the Employers' Liability (Compulsory Insurance) Act 1969.


An employer can be liable in the following ways;


  • Common Law Liability - every Employer owes a common law duty of care to take reasonable care for the safety of their employees. 
  • Vicarious Liability - an Employer may be liable for injuries inflicted on one employee by another. 
  • Liabilities arising under statute - this would include for example Health & Safety legislation including The Health & Safety At Work etc Act 1974.

The Policy must provide an indemnity limit of at least £5m but in practice most Insurers provide for an indemnity limit of £10,000,000. 


A Certificate of Employers' Liability Insurance is produced by your Insurers and should be diaplayed in a prominent position within your premises as required by this Act.


Interesting points of note.......


When an employee travels in a Motor Vehicle and sustains injury, this would be dealt with by the Motor Insurers and not the Employers' Liability Insurers (Motor Vehicles (Compulsory Insurance) Regulations 1992).



Certain relatives of the Employer are excluded from these regulations  including husband, wife, father, mother, grandparents, sons, daughters , brothers and sisters. However, this does not apply to Limited companies.








Write to us at


100 Bowen Court,

St Asaph Business Park,

St Asaph,


LL17 0JE


Phone/Fax us on


  01492 532902


 01492 533378 

Or Email us at info@pjbrooks.org.uk

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