If you have employees, you're legally required to hold employers' liability insurance. It covers you if an employee is injured or becomes ill due to the work they do for you. For example, if an apprentice damages their eyes when they're using power tools because you didn't give them adequate eye protection, they might make a claim against you. If you take out this insurance, we will cover you for £10 million, as standard.
If you purchase employers' liability with Direct Line for Business, you are required to take out public liability insurance with us as well.