Most employers are required by the law to insure against liability for injury or disease to their employees arising out of their employment. The guide below published by the Health & Safety Executive is intended to help you to understand what is required. It is not a legal interpretation of the Employers’ Liability (Compulsory Insurance) Act and it has no formal legal status. You should be aware that only the courts can authoritatively interpret the law, but it does provide a useful insight as to what is required.
A Brief Guide to Employers Liability Insurance