Rules and ethics
Do I need employers' liability insurance if I'm a sole trader with no staff?
A sole trader with no staff is outside the Employers' Liability (Compulsory Insurance) Act 1969. Here is when the UK duty starts and who is exempt.
Topic
employers liability
Rules and ethics
Do home-based businesses need separate insurance in the UK?
Home insurance often excludes business stock, visiting clients and equipment. Check what UK home-based businesses must declare, and when separate cover is needed.
Rules and ethics
Tradesman insurance: what cover do UK builders and plumbers really need?
Public liability, employers' liability, tools and van cover: what UK builders, plumbers and electricians really need, and which contracts demand it.