If you are the sole employee of your limited company and own more than 50% of the issued share capital, then your company is exempt from holding employers’ liability legally. However, most contracts are standardised and it is still very likely that your client will require your business to hold employers’ liability insurance.
It will also cover you if you have a family member working for your business in a clerical capacity, or if there is a substitution clause in your contract.
What is a Substitution Clause?
If for any reason you are unable to complete a contract, a substitution clause allows the use of a qualified replacement to complete the work.