If you employ staff, however small the company, it is a legal requirement to take out employers liability insurance, so that you and they are protected if they are injured as a result of some act or omission of yours.

Unfortunately the culture of claiming millions of pounds of damages for anything and everything has drifted across the Atlantic and we are seeing huge rises in premium costs for all types of liability insurance. Even more disturbing is the fact that fewer and fewer insurers are offering policies, making it ever harder to get underwiters to cover particular risks. This makes it virtually impossible to offer an online quote / instant cover service, in fact we don't know of any company offering online liability insurance at this time.