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Employers' liability insurance?

Question asked by Ronald

As a sole trader am I required to carry employers' liability insurance?

response from John Englund

No, employers' liability insurance covers businesses against claims made by employees related to accidents and injuries. If you don’t have any employees then you don’t need employers' liability. On the other hand it may be advisable to take business liability insurance, which covers you against claims related to personal injury or property damage resulting from your business or its products. 

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