Their are 3 kinds of cover that you might need. 1) Employer's liability. Not required if you are the sole employee. A legal requirement if you have employees, including Labour Only Subcontractors. Normal indemnity limit (the max the policy will pay per incident is normally £10m.) 2) Public Liability. This covers your civil liabilities for injury and damage you and your company do to others. Examples include an injury to a delegate during a training session or overturning a client's FLT truck during training. Policy limits are normally £1m, £2m and £5m. Additional "excess layers" are available if you have a client that insists on a very high level of cover. Some do, without really thinking why they need such a high level. Speak to your regular clients and see if they stipulate the level needed. PL cover will often carry an excess, starting at £250 and going up to £10,000. The excess is same as car insurance, you deal with the small claims below the excess, the insurer picks up the larger stuff. The premiums get lower, the higher the excess. 3) Professional indemnity. This covers you for incorrect advice or information given to a client or their delegates. Supposing say you cut corners, teach bad habits etc and one of your delegates goes on to have an accident. If they can prove they relied on your advice and that advice was wrong, they may succeed with the claim. Professional Indemnity differs from other insurances because it is on a claims made basis. Suppose you trained someone badly in 2006 and they had an accident in 2010 and sued you, it would be your insurer in 2010 who picked up the claim. With all other covers, it is the date of loss that is the crucial date and this is why asbestosis is such a problem because you are trying to trace an insurer from 30-40 years ago. Best advice is to speak to a local broker who will be able to guide you. Avoid the likes of Swinton and Endsleigh - they are primarily for domestic motor and household policies. Try the British Insurance Brokers Association - http://www.biba.org.uk/ to find a local firm.