Employers Liability – a compulsory insurance required by law. All employers are responsible for the health and safety of their employees while they are at work. Your employees may be injured or become ill as a result of their work in your employment and may try to claim compensation from you if they believe that you are responsible. This policy is designed to meet the cost of any compensation for your employees injuries or illnesses whether on or off site. As standard sum assured of £2 million is normally offered by providers. This however can be altered to whatever you feel is appropriate to cover your business.