So you’ve got your Public Liability sorted, now it’s time to decide whether you require Employers Liability. Employer’s Liability Insurance, a legal requirement if you have employee’s, including labour only subcontractors, casual workers and temporary staff. Fail to take out Employers Liability Insurance and you will receive fines for every day you trade without it. If your employees are injured as a result of working for you, you will need Employer’s Liability to cover the cost of compensation claims. These can be extremely costly and is why £10 Million is the standard level of cover. Reduce your claim by making sure everyone adheres to health and safety procedures, wears the correct personal protective equipment and is covered under your policy. Visit the FMB Insurance website to find out more about our additional covers. With every FMB Insurance Liability Policy We guarantee to beat your renewal by 10%, if we don’t already come in cheaper. T’s and C’s apply