Employers liability · Weymouth

Employers liability insurance in Weymouth

Employers liability (EL) is compulsory for almost all UK employers. Weymouth businesses with even one employee need EL from day one at a legal minimum of £5m.

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FCA directly authorised, FRN 724952
17 years in business
a named broker reads every submission.

Apex places business across 30+ markets and reports 95% client retention; both of those are firm-wide figures covering Apex’s business as a whole.

Reviewed by Apex Insurance Brokers · Published 15 July 2026

The legal requirement

Employers' Liability (Compulsory Insurance) Act 1969 requires EL cover for most UK employers.

Minimum £5m by law — commercial standard is £10m.

Certificate of insurance must be displayed and provided to HSE inspection.

Penalties for non-compliance: up to £2,500 per day.

Who counts as an employee

Full-time and part-time staff.
Casual, temporary, and seasonal workers.
Apprentices and trainees.
Volunteers in most working arrangements.
Some contractors (IR35 / labour-only).
Directors of companies (usually).

{City} scenarios and rating factors

Seasonal hospitality workforce.
Portland Port workforce.
Retail across the centre.
Care home sector.
Weymouth Hospital supplier workforce.

What EL doesn't cover

Injury to third parties (that's PL).
Injury from professional-services error (that's PI).
Property damage.
Fines and criminal penalties.

Frequently asked

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.

Is £5m enough?

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

How much does EL cost in Weymouth?

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.

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 Weymouth and the wider region.

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Get the right commercial cover, placed by a named broker

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.

Get a commercial quote → or call 0117 325 0027

Local to Weymouth: Apex has an office at Unit 24, Basepoint Centre, Jubilee Close, Weymouth DT4 7BS. See our Weymouth office page or call 0117 325 0027.