One of the questions we are regularly asked by clients is …

‘Do we have to buy Employers’ Liability insurance’?

The answer, in nearly every case, is that if you employ someone  it is a legal requirement to have cover in place  – so YES.

There are a couple of very limited exemptions for SMEs to the legal requirements and also care needs to be taken as to who constitutes an employee for Employers’ Liability insurance purposes. To find out more take a look at our Clarity Guide.