Employers Liability protects the employer in the event of an injury to an employee, for which the Employer is liable for, i.e. when the employee sues the employer. The club could be construed as an employer where they use cleaners, or ask a volunteer to carry out “work” for them. Public Liability protects the Club / Association/Governing Body / Instructor / Member / Employee if a member or public sue them for injury /damage caused by the club etc.