Employers Liability is Insurance cover which protects you against and costs of legal fees should an employee sue your business for any illness or injury which occurred when working for you. You are legally required to have correct the Liability Insurance if you have employees.
Yes, if you employ staff directly or use labour only sub-contractors it is a legal requirement to ensure you have Employers Liability Insurance. If you are employing a family member, it is not always compulsory to have Employers Liability Insurance, however is recommended.
Employers Liability Insurance covers a company or business owners in the event that an employee sustains an injury at work whilst working for the business.
All labour only sub-contractors are your responsibility and are required to be covered by Employers Liability Insurance. Bona-fide sub-contractors, working independently, may not require cover. They will have their own Public Liability Insurance, however, you must ensure that their insurance is of an equivalent cover limit to your own policy.
If you are self-employed and employ staff directly, or use labour only sub-contractors, you are required to have Employers Liability Insurance by law.