Employers' Liability Insurance protects employers from claims of negligence made by employees who suffer injury or ill health due to their work. Unlike most other types of insurance, Employers' Liability Insurance is compulsory. If you employ workers based in England, Scotland or Wales (including offshore installations or associated structures), your company must carry Employers' Liability Insurance to avoid substantial fines.

Managing your business' fleet of vehicles worth anywhere from a few thousand to millions of pounds can seem like a Herculean task. As a fleet owner, you must ensure your employees are authorised to drive, that each vehicle's use is covered in your insurance policy and that you can add or remove vehicles from your policy to coincide with your business' needs.

From fires to floods, storms to gale-force winds, disaster can strike anytime, anywhere, and often with little to no advance warning. Many businesses that are forced to suspend operations due to a natural or human-caused disaster never reopen their doors.