This covers the costs you have to pay if an employee gets injured or becomes ill because of the work they do for you. For example, your employee might wrench their shoulder whilst walking a dog and then pursue legal action on the grounds that you didn’t provide proper dog walkers’ training. This cover would pay your court fees and any compensation.
In most cases, employers’ liability insurance is a legal requirement if you have employees. Read more about employers’ liability insurance to learn about the exemptions.