In the UK, employers’ liability insurance is a legal requirement for most businesses. If you employ one or more members of staff, you’re legally obliged to have this cover in place and you could face a fine if you fail to do so.
This insurance provides protection if one of your employees becomes ill or injured because of work. Employers’ liability doesn’t just cover full-time or part-time employees. It’s also a requirement if you enlist the help of volunteers or employ people on a casual basis, even if it’s a friend helping at the weekend.
You might also consider legal protection insurance as another layer of cover for employment disputes.