As seen in

Employers' liability: who writes it?

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389 UK insurers, MGAs and Lloyd's markets mapped390+ trade appetites100% independent, no paid ranking
FCA-regulated firm (FRN 1035997)
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132 markets matched

For: Employers' liability

Underwriter briefReady

What underwriters will focus on

Employers’ liability only is specified, so these are provisional routes rather than a firm appetite match. Underwriters will need the trade, activities, wage roll and claims history; check whether standalone EL is available or PL must accompany it.

Where to start

  1. Q UnderwritingEL/PL MGA route worth testing once the trade and work activities are established.
  2. Sutton Specialist RisksPotential specialist route if the employer’s activities need more tailored liability underwriting.
  3. Specialist market lockedAppetite fit and referral checks locked
  4. Specialist market lockedAppetite fit and referral checks locked
Hard to place?
Q UnderwritingMGAPossible★ Specialist appetite
Risk carried byi

Aviva; AXA; Markel; Zurich (varies by product) Source

How to trade

Quote online (own portal), Quote online via software house, Submit to underwriter · Qtrade, Acturis Source

Appetite
EL/PL MGA route worth testing once the trade and work activities are established.
Check
Check trade eligibility, hazardous activities and whether EL requires accompanying PL.

ELPLCARProperty

Broker site

Placed with them? Say how it went.
Sutton Specialist RisksMGAPossible★ Specialist appetite
Risk carried byi

QBE; Aviva Insurance Ltd; AXA XL Catlin Insurance Company UK Ltd (varies by product) Source

How to trade

Quote online (own portal), Quote online via software house · Own portal: SSR online broker web portal, Acturis Source

Appetite
Potential specialist route if the employer’s activities need more tailored liability underwriting.
Check
Check relevant scheme eligibility, occupational exposures and standalone EL availability.

ELPLPropertyPI

Broker site

Placed with them? Say how it went.
Market lockedMGA
Classes and referral notes after unlock
Possible
Market lockedInsurer
Classes and referral notes after unlock
Possible
Market lockedInsurer
Classes and referral notes after unlock
Possible
Market lockedInsurer
Classes and referral notes after unlock
Possible
Market lockedInsurer
Classes and referral notes after unlock
Possible
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130 more markets + remaining specialist brief picks

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As seen inFCA-regulated firm (FRN 1035997)

Market Index

See all 389 markets

UK markets that write employers' liability

We found 132 UK markets that write employers' liability: 35 insurers, 97 MGAs and 0 Lloyd's markets. Commonly listed: Q Underwriting, Sutton Specialist Risks.

Placing notes

Most employers must hold EL with a legal minimum limit of £5m, and most policies give £10m. Wageroll by activity, the manual and clerical split, and how labour-only subcontractors are treated decide the terms.

Also known as

EL, ELCI, compulsory employers' liability, employer's liability

What underwriters ask

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For insurers and MGAs

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