If the answer is yes, you may also need something called employers’ liability insurance.
This insurance is a legal requirement for almost every business that employs staff, including contractors, casual workers and volunteers.
The legal minimum for cover is £5m. This can cover the cost of pay-outs if your business is sued by an employee for injury or illness caused by employers’ negligence.
This includes damage pay-outs, medical costs and loss of income
£10m of employers‘ liability cover is available as an optional cover with your public liability quote.