If you employ anyone, whether they are full time, part time, salaried or not, you will need to have employers liability insurance.
Many people get confused as to whether they need insurance or not. It is more than likely that you do need the cover. The worst thing that can happen is that you find out that you need the cover only because you have received a claim for a solicitor.
There are two reasons why you need the cover. If an employee gets to the stage of visiting a solicitor to allege that you have been negligent and to make a claim, then we can guarantee that is is going to cost money. Even if it a minor claim for an injured finger, the bill can be many thousands when you add up the solicitors bill, the settlement amount and the time you have spent dealing with it.
As well as this, as it is legal requirement, if it can proven that you have not arranging cover, in the full knowledge that you need it, you can be fined up to £2,500. This is not a total fine, this is per day! In reality this does not happen very often but what an incentive paying £2,500 per day can be to go out and get yourself commercial liability insurance.