Most UK employers must have employers’ liability insurance of at least £5 million, although specific exemptions can apply, such as some businesses employing only close family members. You may still need cover if you employ staff, including temporary or part-time workers, and failing to arrange it when required can lead to penalties. When comparing business insurance quotes, check that the policy limit, employee definitions and exclusions suit your circumstances rather than focusing only on price. See the latest guidance on GOV.UK and check policy details with an FCA-authorised insurance provider.