The short answer
Almost every employer must hold employers’ liability cover of at least £5 million from the first day someone works for them, and can be fined per uninsured day. Display or hold the certificate.
Almost every employer must hold employers’ liability cover of at least £5 million from the first day someone works for them, and can be fined per uninsured day. Display or hold the certificate.
The full plain-English guide is being written and reviewed. Meanwhile, the official guidance below covers the essentials, and the FirstEmployer app walks you through this step with the exact law on screen.
This guide is being expanded and solicitor-reviewed. The answer above is current as of config 2026.2.