Employers Liability Insurance policy protects employers from liabilities arising from disease, fatality or injury to employees resulting from workplace conditions or practises that arise from employees fulfilling their job role. A crucial part of running a business is having a solid employers’ liability insurance policy in place. If you employ people you’re legally obliged to take out this cover with a minimum cover of £5,000,000. It will help you if an employee is injured or becomes seriously ill through working for you.