Legal liability for damages and claimants' costs in respect of any person employed arising out of and in the course of their employment, as well as legal costs incurred with the written consent of HCC International Insurance Company PLC.

You will require Employers Liability if someone works under your instruction and you have a right to control where and when they work and/or you supply the work materials/equipment.

An employee can be paid or work on a voluntary basis.

Company directors of a Limited Company are also defined as employees of the company.

Legal liability for damages and costs in respect of accidental injury to persons, accidental damage to property or accidental nuisance occurring in connection with the business of the insured and associated legal costs.

Products Libility:

Legal liability for damages and claimants' costs and expenses in respect of accidental injury or accidental damage to property caused by any product and associated legal costs.

Physical loss, destruction or damage to equipment, and trade materials.