12 months – you will receive an email from us prior to the expiry of cover offering renewal for a further 12 month period.

You can only purchase this insurance on line if you employ 5 persons or less. You may still apply for this insurance, but may only do so by contacting us by phone or email.

Yes – a help line is provided for you to call and if appropriate you can be provided with copies of standard employment contracts, letters and other documents.

No - the policy only provides cover whilst the person is working for you in a personal capacity in connection with your domestic arrangements.

No, provided that the activity is undertaken whilst working for you in a personal capacity in connection with your domestic arrangements.

No – you will not be asked to contribute towards any claim under the policy.

Any of the above situations, even if handled correctly and appropriately, could result in allegations being made against you by your employee, for example for unfair dismissal or discrimination. In order for you to be covered for the cost of legal expenses and compensation awarded by a tribunal you must contact the legal advice service as soon as such potential situations arise and before you take any action against your employee. A fuller explanation and contact details for the legal advice service can be found in the policy wording.