Posted By Karen Todd Hello all, I have a query about a sole trader working (from home) as a H&S consultant. They don't have any employers liability insurance as they don't have any employees. However, what would their liability be if: 1) An associate consultant came with them to look at a job and something happened to the associate consultant? 2) A NEBOSH student had asked the consultant if they could shadow the consultant for a day, or even a week, to give them an idea of the kind of work that they did and something happened to the student? I'm assuming that no EL would be required in the case of an associate consultant, as they are not an employee. However, what about someone who has come along with you for a nosey on a job to gain experience/insight? Would EL be needed for them? Or, would it be assumed that the PL of the client would cover this person as a visitor on their premises? Regards, Karen