Why have Employers Liability Insurance?

What is Employers Liability Insurance?

Employers Liability Insurance is designed to cover legal costs and compensation that your employee may be entitled to if they have become injured or ill as a result of working for you.

The Enable Insurance Policy provides up to £10million Employers Liability Insurance, designed for those who employ nannies or home child carers.

This cover is subject to the terms and conditions of the policy, please refer to the Policy Document and Insurance Product Information. Fur further details click here.

Why have Employers Liability Insurance?

The Employers’ Liability (Compulsory Insurance) Act 1969 is a UK Act of Parliament which states that all UK employers must ensure that they have a suitable Employers Liability Insurance policy to protect themselves against claims made by employees.

Do I need Employers Liability Insurance if I employ a Nanny?

Yes, it’s a legal requirement for all UK employers to hold Employer Liability Insurance and this includes those who employ a nanny or home child carer. No matter how careful you are, workplace injuries can and do happen, and in some cases claims can happen many years down the line. Enable Insurance provides you with up to £10million Employers Liability to cover the costs of compensation and legal fees.


Enable Insurance is a specialist Employers liability insurance policy for nanny employers.

£99 per year – Inclusive of Insurance Premium Tax (IPT)

6 great reasons to choose Enable Insurance:

Specialist policy for nanny employers

If you employ a nanny, finding the right insurance among policies for commercial use can be tricky. We designed Enable Insurance with nannies in mind.

Employers Liability cover up to £10million as standard

Employers’ liability insurance must cover you for at least £5 million. But we provide you with £10million cover as standard.

Includes Public Liability Insurance at no additional cost

Your policy includes up to £5million Public Liability Insurance which provides protection if your employee’s duties involve them being in a public place, often the case with nannies who take the children out and about. This covers compensation; and claimant’s costs and expenses in the case of legal action brought by members of the public where you may be liable due to bodily injury or property.

Covers trips abroad

Cover abroad for up to 30 days per trip if your nanny is accompanying your family on holiday/overseas to assist with support duties.

Trusted with insuring employers and nannies

The policy is provided through Fish Insurance who have over 40 years experience in the insurance industry. Enable Insurance is offered in association with Nannytax, the ‘award-winning’ nanny payroll service.

Quick & easy online application

Your application can be completed entirely online and is quick, easy and secure. Simply fill out our application form to get cover now.