In the UK, employers' liability insurance is a legal requirement for any business which has any employees, and the minimum level of cover is £5 million. The only exceptions to this rule are if the employee is a family member, or they are based abroad full time, otherwise EL insurance is not optional. Any business without it can be fined £2,500 per day, every day until they have the proper EL insurance policy in place. Furthermore, failure to display your insurance certificate can land you with another fine of £1,000.