Employers' liability insurance covers the costs you are liable to pay if an employee gets injured or becomes ill because of the work they do for you. For example, if a vase falls on an employee at your flower shop or if they fall off a ladder while arranging a display.
In most cases, holding valid employers' liability insurance is a legal requirement if you have employees. It doesn’t matter if your employee works for you on a one-off basis, for example at a flower show or market, or helps you full time at your shop, they still need cover.
At Direct Line for Business, we will cover you for £10 million, as standard.