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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 sole traders need employers’ liability insurance?

Knowing exactly what sole trader insurance you need can be confusing. Do you need employers' liability insurance? Well, maybe. Find out for sure...

5 business insurance FAQs we’ve been asked this week

We've tackled 5 troublesome professional insurance questions to put you in the know. Got any other business insurance FAQs? Just get in touch.

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? Here's the answer we tend to give: it depends...

Do I need employers’ liability insurance for work experience students?

The wellbeing of every member of your workforce is your responsibility. Here's why you need employers' liability insurance for work experience students.

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Your business insurance questions about employers’ liability answered

We get loads of business insurance questions in our Live Chat. Here we answer your top queries about employees and how they affect your business' insurance.

More insurance terminology for beginners

Yet further confusing insurance terminology well and truly busted. Endorsement? Deductible? Indemnity? These terms and more explained - simply.

ACCA accountants’ insurance explained

Chartered accountants joining ACCA must have professional indemnity insurance to a specified minimum level of cover. And a lot more than that, too.

Your business insurance queries answered

We’re here to help, so business insurance queries are right up our street. Here are the answers to 8 head-scratchers we’ve been asked recently by customers.

Employers’ liability insurance: claims and premiums on the up

Despite a fall in workplace incidents, employers' liability claims are on the rise, increasing insurance premiums as they go.

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.

What do in the aggregate and any one claim mean?

In the aggregate or any one claim? What difference does it make to your insurance and why are we going on about it? Find the answers here.

How are insurance premiums calculated?

Feel like your insurer is just pulling numbers out of thin air? Exactly how are insurance premiums calculated? Here's what you need to know.