As soon as you become an employer, you must get Employers Liability Insurance. The policy must come from an authorized insurer, and have cover of a minimum of £5 million.
Employer’s Liability Insurance will help you pay compensation if an employee becomes sick or injured due to the work they do for you.
You can be fined £2,500.00 if you are not properly insured, and a fine of £1,000.00 if your Employer’s Liability Insurance certificate is not displayed, or you refuse to make it available to inspectors when asked.
Annual premiums tend to start from around £30-£40. It’s usually quick and easy to get a quote online and sort out, so don’t take any chances. Alternatively talk to a specialist broker to help point you in the right direction.
Take a look at the link on the Gov.org website for more information:
