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Employers’ liability

Here's where we lift the lid on insurance and explain it all simply.

There's essential help with how best to protect your business or not-for-profit. Plus, useful advice on running your organisation and life as a freelancer.

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Employers’ liability insurance guide
Employers' liability insurance protects you if employees claim for injuries and illnesses they suffer at work. Get it or get a fine from HSE.
08/07/2025

First aid requirements and employers’ liability insurance
You have employees. You have first aid requirements. You have employers' liability insurance. How do they fit together? Find out here.
24/06/2024

Work Christmas party dos and don’ts
Dust off your reindeer antlers and dry clean your best sparkly outfit: work Christmas party season is here. But is it time to relax or fret?
10/12/2023

What insurance do I need to open a coffee shop?
Run a coffee shop, café, tea room, or anything in between? Our guide has everything you need to know about coffee shop insurance.
21/09/2023

What insurance do personal trainers need?
You help clients achieve their ultimate fitness goals. But what insurance do personal trainers need to keep their business in great shape?
14/09/2023

Do I need employers’ liability insurance for work experience students?
The wellbeing of your workforce is your responsibility. Here's why you need employers' liability insurance for work experience students.
21/05/2023

What insurance do I need for my business?
What business insurance do I need? What don't you need, more like. If you're after a more helpful answer than that, try reading this.
01/12/2022

What’s an Employer Reference Number?
What's an employer reference number? Why do you need one? Wondering why we’re asking you these questions? Here's your answer.
30/11/2022

What’s claims made insurance?
Professional indemnity and medical malpractice are 'claims made' insurance. Find out what this means and why it matters.
09/11/2022

Do I need employers’ liability for freelancers?
Here's a business insurance question we get asked a lot: do I need employers' liability for freelancers? And here's the answer: it depends...
30/04/2021

Does my charity need employers’ liability insurance for volunteers?
The Charity Commission recommends protecting your helpers with insurance for volunteers. Here's what it does and why your charity needs it.
20/01/2021

What insurance does a mobile beauty therapist need?
If things aren't looking good and you work solo, the heat's on you. Here's how to protect yourself with mobile beauty therapist insurance.
30/09/2020