Get employers' liability insurance as soon as you become an employer, covering at least £5 million from an authorised insurer. You do not need it if you employ only family members. You can be fined £2,500 for every day you are not properly insured.
Vehicles used for business need motor insurance that covers business use. Some regulators also require professional indemnity insurance.
Employers' liability insurance
Who needs it, the minimum cover and the exemptions.
Choosing the right business insurance
The cover the law requires and the cover most businesses choose to add.