Can anyone help? What insurance is recommended that we should we have and what needs to be covered? There’s so many options and so many different things that I don’t understand what it all actually is. I’ve always had personal liability insurance but now I’m questioning if that’s enough. I have 2 studios - the first one has 2 employed members of staff and I’ve just renewed my insurance to add on employers insurance
My second studio everyone is self employed so I’ve got personal liability insurance only for that school
Is that right or am I missing something major?