If your business has employees, employers’ liability insurance is usually required in the UK, with limited exceptions, and failing to arrange it can lead to enforcement action and fines. Without suitable cover, your business may also have to pay valid claims, legal costs, repairs or compensation from its own funds. Public liability, professional indemnity and other policies are not generally compulsory, but clients, landlords or industry contracts may require them. Check the relevant guidance on GOV.UK and compare your needs with an FCA-authorised insurance provider.