EL is compulsory insurance policy which all business owners must have if they have any employees.

It is designed to cover your employees so that in event they suffer any physical injury or death, and it is proven that as an employer you acted negligently and subsequently could have prevented their loss, if they then decide to pursue you for compensation the insurer will pay the cost of the claim.

This insurance is not designed to cover you against the risk of being sued for claims such as sexual discrimination, wrongful dismissal etc.