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6 - Employers Liability Insurance

Under the Employers Liability (Compulsory Insurance) Act 1969 ALL employers are required to take out Employers Liability Insurance cover. There are a number of organisations that offer this insurance specifically for people employing staff through Direct Payments (listed below).

The Liability Insurance is payable as a one-off annual fee and cover needs to be arranged to start on the first day of employment.

We would always recommend taking the comprehensive insurance policy from your chosen insurance provider. With the enhanced covers you will have access to telephone helplines that can help with employment questions, personal injury cover, legal expenses and a number of other facilities that justify the small price difference.


Companies Details Costs
Mark Bates

Tel: 01476 514478
Email :
Web :


Standard cover £61
Plus Cover £88
Deluxe Cover £99

Fish Tel: 0333 331 3770
Email :


Independent Living Insurance
Basic £77
Enhanced £135
Marsh Commercial Tel: 0800 458 3301
Web :
Direct Care Insurance 

Bronze - £77.50
Silver - £93.50
Gold - £103.50 


Last updated: 08/07/2021