This insurance is designed to cover you for any personal injury claims made against you by an employee. It will also cover you for any legal fees incurred in defending yourself against such a claim. It is a legal requirement for any employer whether their employees are paid or not. You are required to display your certificate of employers liability insurance at all times. If you keep your horses at home and there is no commercial aspect at all to your yard it may be possible to include any groom you employ as a domestic employee which would be covered by a standard household insurance. Shearwater offers specialist household policies for people who keep their horses at home; please call to enquire. Not all household policies would cover grooms so it is essential that you check with the insurer involved and make sure you comply with the law. If there is any commercial aspect to your yard at all (even if it is only one paying DIY livery) it will be necessary to have a separate policy in place.