There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team., Compare cheap business and commercial insurance quotes & find the best deal tailored to your business needs for public liability, employer’s liability, professional indemnity and more., Business insurance quotes from trusted insurers. Join nearly a million customers small businesses, covering liabilities, legal fees and more..