Employer's Liability - Insurance For Householders Employing Domestic Staff

0800 804 8007

Monday - Friday 9am - 5pm

Our Employers’ Liability insurance provides cover if you employ domestic staff to work in your house - e.g. cleaners, gardeners, carers, au pairs, chauffeurs, cooks, mother's help, etc.

Under UK law, all employees must be covered under an Employers’ Liability policy. Our policy provides protection for damages and legal costs that arise as a result of claims from your domestic staff suffering an injury or disease arising out of their employment.

You can apply online. All you need to do is download the editable proposal form, fully complete it and save it to your desktop, then email it back to us as an attachment to general@mortonmichel.com. If you meet all of the requirements we can offer immediate cover.

Or alternatively for further information and a free quotation please call our freephone number on 0800 804 8007 or email your enquiry to general@mortonmichel.com

Employers' Liability Insurance Cover Includes  

  • Limit of indemnity £10,000,000 - (£5,000,000 for claims relating to asbestos or terrorism)

  • No excess to pay

  • 12 months cover - (minimum & deposit premium)

  • Cost of defending a prosecution - under the Health and Safety at Work Act or any UK corporate Mansalughter/Homicide Act.

  • Cost of representation - at any coroner's inquest or fatal accident inquiry

  • Compensation for attendance - at court as a witness

  • Unsatisfied court judgements extension - if an employee is injured at work by somebody else and the other person doesn't pay the court award

Cover applies to England, Scotland, Wales, Northern Ireland, the Isle of Man and the Chanel Islands and elsewhere in the world for a temporary basis.

For details of the policy cover please view the Key Facts Document and Policy Wording documents.

Important Notes Regarding This Policy

  • This is a deposit and minimum premium policy. This means that in the event of cancellation by you of this policy, no premium refund will be allowed
  • We are unable to backdate cover, or start a policy before payment has been received
  • Payment must be made in full, no instalments are available for this policy type
  • If you have household insurance, please check with your insurer or broker that you do not currently have Employers Liability for Domestic Staff under your existing policy as we are unable to provide any refund once the policy has started

Employers' Liability Insurance Annual Premiums  

  • One Employee £100.80* 
  • Two Employees £201.60* 
  • Three Employees £302.40* 
  • Four or more Employees Please call for quote 020 3824 8477

* Premiums include Insurance Premium Tax (IPT).

Premiums are based on the total number of domestic staff you employ whether full or part-time.

0800 804 8007

Monday - Friday 9am - 5pm

Great reasons to insure with Morton Michel

Over 50 years’ experience in childcare insurance

Market leaders in childcare insurance

Easy to arrange insurance cover – online quotations available

No call centre, just personal and honest service

Helplines for legal advice, tax and counselling services available 24 hrs a day 7 days a week

Quick and efficient response to any queries and claims

Automatic entry to the Morton Michel ChildCare Club giving you and your staff access to exclusive benefits and discounts