Employers' liability insurance can cover you if an employee is hurt or becomes ill due to carrying out work for you.
If you employ other people, then by law you’ll need to get employers’ liability insurance – even if you only employ one person and they work part time. The possible exceptions are:
- if you are a sole trader
- if all your employees are direct family members
- if all your employees are based abroad and aren’t ordinarily resident in Great Britain
- most public organisations and government departments and health service bodies
The cover should be for at least £5 million.
You risk being fined £2,500 for every day you don't have employers’ liability insurance.
If you use ladders while painting and decorating, it might be worth bearing in mind that 18% of all non-fatal work-related injuries in the UK involved falling from a height. So make sure your insurance is up to scratch – as well as your ladder!