Employers Liability Insurance Market Report 2026

The employers liability insurance market size has grown strongly in recent years. It will grow from $33.9 billion in 2025 to $36.41 billion in 2026 at a compound annual growth rate (CAGR) of 7.4%. The growth in the historic period can be attributed to expansion of workforce participation, increased workplace safety regulations, rising litigation related to employment practices, growth of industrial and construction activities, wider adoption of employer insurance policies.

The employers liability insurance market size is expected to see strong growth in the next few years. It will grow to $47.98 billion in 2030 at a compound annual growth rate (CAGR) of 7.1%. The growth in the forecast period can be attributed to increasing complexity of employment regulations, rising prevalence of remote work models, growing focus on employee wellbeing, expansion of coverage for non-traditional workers, increasing use of data-driven underwriting models. Major trends in the forecast period include increasing demand for enhanced workplace liability coverage, rising focus on mental health and occupational illness claims, growing adoption of digital policy management platforms, expansion of coverage for remote and contract workers, enhanced risk assessment for high-risk industries.

The increasing incidence of workplace accidents is expected to drive the growth of the employers' liability insurance market in the coming years. Workplace accidents are unforeseen events that occur during work activities, causing injury, illness, or harm to employees. These accidents are rising due to insufficient safety training, as many employees are not adequately prepared to operate machinery or respond to hazardous situations. Employers' liability insurance protects employers by covering legal expenses and compensation claims resulting from workplace accidents or employee injuries. For example, in December 2025, Eurostat, a Luxembourg-based statistical office of the European Union, reported that in 2023, there were 3,298 fatal accidents and 2.82 million non-fatal workplace accidents in the EU. Consequently, the rising occurrence of workplace accidents is fueling the growth of the employers' liability insurance market.

Major companies operating in the employers' liability insurance market are focusing on developing technological innovations, such as modular digital platforms for customizable liability coverage, to enhance flexibility, improve policy design, and streamline online placement processes. A modular digital platform enables employers and brokers to select individual coverage components, such as employers’ liability, public liability, and legal expenses, independently, offering tailored protection that aligns more closely with specific business risk profiles compared to traditional bundled liability policies. For example, in July 2025, Aviva Plc, a UK-based insurance company, launched its Commercial Combined digital modular solution, which allows Employers’ Liability coverage to be included as an optional standalone module. The product allows businesses to design policies according to their specific needs, streamlines digital underwriting and placement, and provides greater control over coverage composition compared with conventional packaged offerings.

In June 2025, Zurich North America Inc., a US-based insurance company providing commercial and liability insurance, including employment practices liability (EPL) coverage, partnered with Cowbell for SME insurance to offer Zurich Select Plus, including EPL insurance, to small and medium-sized enterprises through wholesale distribution channels. Through this partnership, the companies aim to simplify digital access and delivery of employer liability coverage, helping SMEs protect against employment-related claims such as wrongful termination, discrimination, and harassment. Cowbell Managing General Agency Limited is a UK-based company focused on providing adaptive cyber risk coverage for SMEs and mid-market businesses.

Major companies operating in the employers liability insurance market are Berkshire Hathaway Inc., Allianz SE, American International Group Inc., Liberty Mutual Holding Company Inc., Swiss Re Ltd., Zurich Insurance Group Ltd., Chubb Limited, The Travelers Companies Inc., The Hartford Financial Services Group Inc., QBE Insurance Group Limited, CNA Financial Corporation, Markel Corporation, W. R. Berkley Corporation, Starr International Company Inc., AmTrust Financial Services Inc., Hiscox Ltd., Bolttech Insurance Company Limited, Blue Cross Blue Shield Association, MedGulf Insurance & Reinsurance Company B.S.C., MSIG Insurance Pte. Ltd., Assicurazioni Generali S.p.A.

North America was the largest region in the employers liability insurance market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the employers liability insurance market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the employers liability insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The employers liability insurance market includes revenues earned by entities by providing services such as coverage for employee injury or illness claims, legal expense reimbursement, workplace risk assessment, policy underwriting, and compliance support services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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