Employers Liability is a legally required policy for anyone, in any business, who has employees working under them (with very few exceptions). The policy provides cover for any injury or illness to an employee for which you are liable and can range from £1m to £10 for standard policies.
Insurance events rarely come as financially consequential than those that affect the business’ property. The policy protects against fire, flood and general damage, and often includes help with clearing debris and any subsequent fees from architects for repair. It can not be used for general wear and tear, however.