At Kingsbridge, all of our contractor insurance policies include Employers’ Liability insurance cover as standard, but this is not the case across the contractor insurance industry. Many insurers miss it off completely or make it an optional extra, causing many contractors to assume they don’t need it.
And we can see why you may think that. After all, you may well fit into the exemption category (you employ only yourself and own at least 50% of your share capital) as do many contractors. But this is not always the case and just because you are exempt now it doesn’t mean you will be a few months or years down the line.