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If you are running your own firm, it is vital that you cover your back with a good public liability insurance policy.

Public Liability Insurance (PL) covers you for any damages that a member of the public may be awarded as a result of injury or damage to them or their property caused by your business. It also covers legal fees and other expenses to do with defending any claim.

Employer Liability Insurance

Employer liability insurance is mandatory for all companies with more than one employee, unless it is not a limited company and you employ only family members.

Employer liability insurance covers any injuries or illnesses that occur at work due to the fault of the employer. It is still possible for an employee to claim compensation even if the business goes into liquidation or receivership.

Fines can be enforced against companies for each day they go without employer liability insurance.