Just to add they go into houses to sell the product and then take measurements etc. They would go into the customers loft space to provide measures and drawings for our install teams

I'm with David on this. In the event of an accident quite likely that you would be regarded as their "employer" - that is having responsibility for directing their work etc. Thus you need to take out both Employers' and Public Liability insurance. And you need to provide trainging etc AND equipment. How are they accessing these loft spaces? Using the householder's ladder? What if there isn't a fitted loft ladder? Insurer's records contain many accidents from getting into and descending from loft spaces - and a fall from that height is enough to result (in some cases) in life changing injuries... e.g. paraplegia. Phil