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Advice, News & Know-how

Employers’ Liability Insurance

Find out who needs employers' liability insurance, what is does, and how you can be fined by the Health & Safety Executive for not having it.

Also get a heads up on why it's important to cover your volunteers and work experience people too.

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...

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.

Do photographers need insurance?

Our snappy guide to photographers' insurance explains what insurance photographers need and why, from covering your kit to working on location.

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.

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Your work Christmas party: what the law says

Dust off your flashing reindeer antlers and dry clean your best sparkly outfit: work Christmas party season is here. But is it time to relax or time to fret?

What is employers’ liability insurance?

Employers’ liability insurance is a legal requirement if you have employees. Find out what it does and why you may need it even when you think you don't.

What’s claims made insurance?

Professional indemnity is 'claims made' insurance. Other types of insurance are 'claims occurring'. But what's the difference? And why does it matter?

Professional insurance Q&A

Where do you start with professional insurance? Or finish, come to that? Our guide to what you do and don't need will help you decide.

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.

Employers’ liability insurance guide

Employers' liability insurance protects you if employees claim for injuries and illnesses they suffer at work. Get it of get a fine from HSE.

What insurance do IT contractors need?

You may be careful, but things can go wrong. IT contractors insurance requirements include professional indemnity, public liability and employers' liability

Insurance for videographers

You can disaster-proof your set, or try to protect your equipment from damage, but insurance for videographers is essential in case the worst should happen.