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How are employers’ liability costs calculated?
Making sure you tick all the correct legal boxes is essential as an employer. But so is knowing the different factors that feed into the cost of employers’ liability (EL) insurance. Before getting a...
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Employers’ liability vs public liability insurance: what’s the difference?
Business insurance isn’t exactly the bit people get excited about when they start a business. You’re busy winning clients, launching products, and hiring brilliant people. Finding the time to check...
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Is employers’ liability insurance a legal requirement?
Yes, employers’ liability (EL) insurance is a legal requirement. Article over, right? Not quite. While EL is a legal requirement, there’s a lot more to it than that. Depending on how you work and...
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Do sole traders need employers’ liability insurance?
It’s one of those insurance questions that sounds like it has an obvious answer. You’re a sole trader. You work for yourself. You don’t employ anyone. So you don’t need employers’ liability (EL)...
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Do I need employers’ liability insurance for work experience students?
Taking on a student for work experience can be a really rewarding experience. For you and them. Just as long as you’re prepared and protecting them properly. Did you know the wellbeing of any work...
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Do I need employers’ liability insurance for freelancers?
Everyone needs a little extra help from time to time. Which brings us to a question we get asked a lot: do I need employers’ liability (EL) for freelancers? Good question, but let’s get some context...
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What is employers’ liability insurance: a complete guide
If you have employees, you’ll usually need employers’ liability (EL) insurance. It protects your business if someone who works for you gets ill or injured at work. And supports your staff if you owe...
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Does my charity need employers’ liability insurance for volunteers?
It feels good to give something back. And with 47% of UK adults planning to volunteer in 2026, it looks like you won’t be short of help. Whether it’s helping out at food banks, delivering...
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What’s claims made insurance?
One of the off-putting things about professional insurance is jargon. It’s everywhere. Take professional indemnity insurance (PI), for example. Among its many important features is the fact it’s a...
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Do you need employers’ liability insurance for contractors?
We all need a little extra help from time to time. Often, that’s someone whose expertise you can rely on to get the job done. But if you’re taking on someone whose welfare you’re also legally...
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Hiring your first employee: a step-by-step guide
In this guide: Consider alternatives to a full-time employee Define the employee you need Recruiting for success Interviewing effectively Getting ready for their first day Your legal responsibilities...
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What’s an Employer Reference Number?
Don’t know what an Employer Reference Number is? Not sure why you need one? Can’t remember if you have one? No problem. Here’s why your Employer Reference Number (ERN) is important; to you, to your...
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What insurance do I need for my business?
Freelancers, contractors, startups and established businesses have all come to us at some point and asked the same question: ‘What insurance do I need for my business?’ There’s no single answer,...
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What’s employment practices liability insurance (EPLI)?
People, as we like to remind our bosses every now and then, are a business’s most important asset. Most of the time. Because let’s face it, they can also be unpredictable and downright demanding. That...
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Employers’ liability insurance guide
Find out everything you need to know about your legal duty to protect your staff. Here’s your at-a-glance employers’ liability insurance guide. What is employers’ liability insurance? Employers’...
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Work Christmas party dos and don’ts
It’s December. The time of year when most employees’ eyes turn towards Christmas and the jewel in the crown of the company’s social calendar: the work Christmas party. It’s a chance to eat, drink, and...
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First aid requirements and employers’ liability insurance
You’ve probably heard us mention it before, but employers’ liability insurance is a legal requirement for businesses with employees. But, according to the Health and Safety Executive (HSE), it’s also...
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Do photographers need insurance?
In a nutshell, it’s likely you need at least some insurance. Nearly all photographers do. Google ‘Do photographers need insurance?’ however, and you’ll get lots of people wanting to sell you stuff –...
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What insurance do I need to open a coffee shop?
We all know about the UK’s centuries-long love affair with tea. It’s fuelled our country’s caffeine habit since the 1600s. But its throne looks to have been usurped by a relatively new upstart:...
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What insurance do personal trainers need?
The UK is in the midst of a fitness slump. 34% of the population don’t exercise every week. And almost three-quarters of all adults in the UK are overweight. Why? COVID shoulders some of the blame....
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