Employers’ liability insurance protects you if a member of staff is injured or becomes ill because of the work they do for you. It steps in to cover compensation and legal costs, which could otherwise be eye-watering.

As soon as you hire an employee, the law requires you to have this insurance. It must provide at least £5 million cover and come from an authorised insurer. This ensures your workers are protected and your business is covered if something goes wrong.

Whether it’s a construction worker injured on a scaffolding site or a personal trainer injured by faulty gym equipment, this cover helps pay for claims and legal fees. Even after someone leaves, a claim can pop up years later, so having the right cover from day one helps you stay protected long after the shift ends.