Is Your Employers’ Liability Insurance Certificate Compliant?

If you employ anyone in the UK, you’re legally required to hold Employers’ Liability (EL) insurance — and display your certificate correctly. It’s a small but vital detail that can lead to serious penalties if overlooked.

What You Must Do:

✅ Ensure your EL certificate is up to date

✅ Make it accessible to employees (digitally or in the workplace)

✅ Use an authorised insurer

✅ Be insured for at least £5 million

The Legal Requirements

Under the Employers’ Liability (Compulsory Insurance) Act 1969, failure to comply can lead to:

• Fines of up to £2,500 per day for not having valid cover

• Fines of up to £1,000 for not displaying your certificate or refusing to make it available to inspectors

Even if you’re a small business or only employ part-time staff, this law still applies.

Need expert support reviewing your EL compliance or wider health and safety obligations?

SVC Safety Solutions can help. Get in touch today.