Do I need EL if I'm a sole trader with no staff?

No — EL is only required if you employ others.

What about my partner working in the business?

If your partner is an employee (even informally), EL is usually needed.

£5m is the legal minimum. £10m is commercial standard.

How much does EL cost in Andover?

Employers' liability is rated on who you employ and what they do — wage roll, headcount, the trades involved, and how much of the work is on site, at height or around plant — together with the limit and excess you choose and your claims record. Two firms of the same size can price very differently, so we quote the actual risk rather than publish an average that would mislead at least one of them.

Employers liability · Andover

Employers liability insurance in Andover

Reviewed by Apex Insurance Brokers · Published 15 July 2026

Andover is a Hampshire market town with a substantial logistics and distribution role, business parks, some manufacturing and a retail centre, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Andover the claims come mostly off the distribution floor.

Where employers' liability claims come from in Andover

Logistics and distribution operators carry manual-handling, forklift and lifting exposure across large sites. Business-park and office employers bring the display-screen and stress profile. Manufacturing adds machinery risk, and retail its everyday claims. The employer answers for each.

An Andover example

A warehouse worker at an Andover distribution centre suffers a back injury during a shift of high-volume manual picking without adequate rotation or aids. Employers' liability covers the compensation and the legal defence — the cumulative manual-handling exposure that distribution work builds shift after shift.

What employers' liability covers

Employers' liability meets a worker's compensation and the employer's legal costs when the job injures them or makes them ill, and it holds for people who have left and illness that emerges later. Compulsory since 1969, it runs to £5m in law and £10m in the market, the certificate kept on show.

Placing it in Andover with Apex

Apex is FCA-authorised (firm reference 724952), broking since 2009, reaching over 30 markets and Lloyd's through wholesale. An Andover distribution or manufacturing employer gets manual-handling and machinery exposure rated by a named broker, not a flat scheme.

Speak to a Andover commercial broker

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Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Firm reference number 724952. Registered in England and Wales, company number 07014570. Trading address: QCS, 53 Queen Charlotte Street, Bristol BS1 4HQ · Serving businesses in Andover and the wider region.

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Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.

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