You must get Employers’ Liability (EL) insurance as soon as you become an employer - your policy must cover you for at least £5 million and come from an authorised insurer.
EL insurance will help you pay compensation if an employee is injured or becomes ill as a result of their work while in your employment.
You can be fined £2,500 for any day which you are without suitable insurance. You can also be fined £1,000 if you do not display your EL certificate or refuse to make it available to the government inspectors when they ask.