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Employers' Liability Claim Statistics UK 2024
Employers' liability insurance is required by law, but in any case it's smart protection for a business to have in place for protection against potential claims if one of your employees is injured or falls ill as a direct result of their work for you.
Employers’ Liability protects your businesses against claims for compensation by employees who have been injured or made ill as a result of their work for you. It does not reimburse you for your direct losses as a result of their injuries (i.e. retraining costs, losses to business income). For that you would need personal accident or key man cover.
How likely is it that you will need employers' liability insurance? Let's take a look at some statistics on the number of successful workplace injury and illness claims, as well as the number of workplace illnesses or injuries that occurred last year.
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Employer's Liability and Workplace Injury and Illness Stats
| Workplace Illness and Injury Statistics | |
|---|---|
| New employers' liability cases registered to CRU (2023/224) | 44,547 |
| RIDDOR-reported workplace injuries (2022/23) | 60,645 |
| LFS self-reported workplace injuries (2022/23) | 561,000 |
| LFS self-reported workplace illnesses (2022/23) | 1,770,000 |
Last year there were just over 2 million reported workplace injuries and illnesses in the UK. The majority of these (1.77M) were self-reported through the Labour Force Survey (LFS). The remainder—60,645—were reported by companies via the Reporting of Injuries, Diseases and Dangerous Occurrences Regulations (RIDDOR). While there are far fewer injuries reported via RIDDOR, these tend to be more serious than self-reported injuries.
There has been an increase in the number of self-reported illness that were made worse or caused by work: up to 1,770,000 in 2023.
Reporting Claims to CRU
Not all workplace injuries result in a claim, or a successful claim at that. How many workplace injuries and illnesses result in a successful claim? For that we can look at data from the Compensation Recovery Unit (CRU).
If an employee suffers accidental injury or illness due to work and successfully claims for compensation from their employer, the employer must notify the CRU of the details of your claim. So to get an idea of the number of employers' liability claims in the UK we can look at CRU data. (CRU also holds data for other types of liability claims such as motor or public liability.)
History of Employers' Liability Cases
So how many employers' liability claims are there each year in the UK? It fluctuates pretty significantly from year to year, but in 2023/24 there were 44,547 employers' liablity claims registered in the UK—and 53,074 successful settlements recorded.
| Number of Employer Liability Cases Registered to Compensation Recovery Unit (CRU) | |
|---|---|
| 2023/24 | 44,547 |
| 2022/23 | 43,728 |
| 2021/22 | 43,769 |
| 2020/21 | 45,687 |
| 2019/20 | 79,027 |
| 2018/19 | 89,461 |
| 2017/18 | 69,230 |
| 2016/17 | 73,355 |
| 2015/16 | 86,495 |
| 2014/15 | 103,401 |
| 2013/14 | 105,291 |
| 2012/13 | 91,115 |
| 2011/12 | 87,350 |
| 2010/11 | 81,470 |
It can take years to settle an employers' liability claim, which is one reason why the number of settlements was higher than the number of new claims last year—also, double counting of settlements can occur in claims that are reopened or in cases where a late or unforeseen payment is made.
So, in a year where there were 2.3M self-reported workplace injuries and illnesses and 61K company-reported workplace injuries and illnesses, there were 53,074 claims settled. This means that roughly 2.2% of workplace-related employee injuries and illnesses end up with a successful claim against the company. In other words, around 1 out of every 45 injured or ill employees has a successful lawsuit against their employer.
Cost of Employer Liability Claims
How much does it cost a company if an employee is injured or falls ill due to work? The figures will vary significantly from situation to situation, but we can get an idea of general costs to businesses from the Health and Safety Executive (HSE).
According to HSE data, a fatal employee accident costs a business £111,500 on average. Non-fatal injuries come at a cost of £1,900 to the employer on average, but this depends on factors like the length of time a worker is out—when an employee in incapacitated for at least 7 days the cost is £7,600 on average, while shorter incapacitation cost around £110.
A workplace-related illness is typically more costly than an injury. The average workplace illness costs a company £4,100—but an illness keeping an employee out for 7 or more days costs £8,300 on average.
| Costs to Employers of Workplace Accidents and Illnesses | ||
|---|---|---|
| Fatal accidents | £111,500 | |
| Non-fatal injuries | ||
| 7 or more days absence | £7,600 | |
| Up to 6 days absence | £110 | |
| Average | £1,900 | |
| Ill Health | ||
| 7 or more days absence | £8,300 | |
| Up to 6 days absence | £150 | |
| Average | £4,100 | |
While employee illness or injury has an even larger cost to the employee, the costs to a business can be debilitating—which is where employers' liability insurance comes in. And these figures on the costs and likelihood of workplace illness or injury help to explain the high cost of employers' liability insurance to businesses.