Employers’ liability compulsory insurance (ELCI) is a legal requirement for all employers. You can be sued if an employee or member of the public hurts themselves at work; you may also face NHS claims for hospital treatment and possibly fines up to £2500 a day from Heath and Safety so it is vital to be properly covered.

Understand Employers’ liability compulsory insurance, Public Liability Insurance, Pollution Risk Insurance, Property owner’s liability insurance and Professional indemnity insurance and make sure you are covered for disaster insurance. 90% of businesses go bust within 18 months after a disaster and there are concerns that small businesses are not taking adequate measures to ensure they will survive emergencies such as flooding, storms and terrorism, according to the British Insurance Brokers’ Association (BIBA).