Employers' Liability Insurance in Cyprus
It's the law. Get covered online in 3 minutes.
Every employer in Cyprus is legally required to hold this policy under Law 174/1989. If you don't have it, you're looking at fines of up to €1,500 or up to 12 months imprisonment.
Why DigiCare
Why employers choose DigiCare
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We're an independent broker, which means we compare rates from multiple licensed Cyprus insurers on your behalf. You're not stuck with one company's price.
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Submit your details online and we'll get your insurance certificate to your inbox the same day.
Bundle Discounts
Add public liability insurance and you'll save 15-25% on the combined policy. Most of our business clients do exactly this.
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How much does employers' liability insurance cost?
I get asked this question daily, and the honest answer is: it depends. Employers' liability insurance in Cyprus starts at around €75 per year for micro businesses with one to three clerical employees. The average small-to-medium business pays roughly €355 per year. Your premium comes down to how many staff you have, what kind of work they do, and your total annual payroll.
| Your Business | Estimated Annual Premium |
|---|---|
| 1-3 clerical employees | €75-150 |
| Small retail/office (5-10 staff) | €200-400 |
| Hospitality (10-20 staff) | €350-600 |
| Construction (any size) | Quote required |
Premiums shown are indicative figures based on broker market data. Actual rates depend on your insurer, employee profile, and risk assessment.
What's covered under employers' liability insurance?
Workplace accidents (falls, machinery injuries, manual handling)
Occupational diseases (43 recognised conditions under the Social Insurance Regulations 1980)
Legal defence costs if an employee brings a claim
Court-awarded compensation and settlements
Minimum coverage limits required by law
| Basis | Minimum by Law |
|---|---|
| Per employee | €160,000 |
| Per event | €3,415,000 |
| Per policy year | €5,125,000 |
If you're in construction or manufacturing and need higher limits, we'll arrange custom cover that fits your risk profile.
HOW IT WORKS
How to get covered
Tell us about your team
Share your employee count, job types, and annual salaries through our online quote form.
We find your best rate
We compare quotes from our panel of licensed Cyprus insurers and send you the best options.
Get your certificate
Pick your policy and receive your certificate by email the same day.
Who needs employers' liability insurance in Cyprus?
If you employ anyone in Cyprus for more than 8 hours per week, you need this policy. Full stop. The Department of Labour Inspection enforces compliance, and penalties include fines up to €1,500 or up to 12 months imprisonment.
Hospitality & restaurants
Kitchens and busy dining floors mean injury risk is constant. Most hospitality businesses we work with pay in the €350-600 per year range.
Construction & contracting
Manual labour carries the highest premiums, and every contractor, no matter how small, must hold cover before anyone sets foot on site.
Retail & shops
Even a small shop with two or three staff needs a policy. The good news? Clerical and retail roles are among the cheapest to insure.
Offices & professional services
Low-risk environments mean lower premiums. A small office typically pays under €200 per year.
Domestic employers
This is the one that catches people off guard. If you hire a cleaner, nanny, or gardener for 8 or more hours per week, you're an employer under the law and you need cover.
Employers' liability vs public liability insurance
These two get confused all the time, so let me break it down. Employers' liability insurance covers claims from your employees for work-related injury or illness. It's legally required under Law 174/1989. Public liability insurance covers claims from third parties like customers, visitors, and members of the public. It's optional, but I'd strongly recommend it for any business that deals with the public.
| Employers' Liability | Public Liability | |
|---|---|---|
| Covers claims from | Employees | Third parties |
| Legally required? | Yes (Law 174/1989) | No |
| Typical cost | €75-600/yr | €50-250/yr |
| Example claim | Employee injured by machinery | Customer slips on wet floor |
At DigiCare, we bundle both policies for 15-25% less than buying them separately. It's the smart move for most businesses.
Get a Combined QuoteFAQ
Frequently asked questions
Don't risk fines or prosecution. Get covered today.
Every day without employers' liability insurance puts your business at legal risk. Fines up to €1,500, potential imprisonment, and unlimited personal liability for employee claims. It takes 3 minutes to sort out.
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