Why do I need Employers’ liability insurance
Employers Liability Insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work, policies can also protect employers against theft from employee dishonesty. Unlike most other types of insurance, Employers’ Liability Insurance is compulsory if you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry Employers’ Liability Insurance to avoid substantial fines.
You can be fined up to £2,500 for every day you do not have appropriate insurance.