Where you employ workers you are required to have insurance unless you are exempt on the following basis
- You have a family business, which is not a limited company. All of your employees must be related to you – which includes husbands, wives, civil partners, fathers, mothers, grandfathers, grandmothers, stepfathers, stepmothers, sons, daughters, grandchildren, stepchildren, brothers, sisters, half-brothers or half-sisters.
- You have a limited company where you are the only employee and you own 50% or more of the company’s issued share capital.
You may also need employers’ liability insurance for those carrying out work for you but are not your employees. For example, a casual worker helping with the harvest. If you are not sure please speak to us.