I am a sole director and have no employees. However, the law considers my self employed instructors as employees. Anyone who, for instance, does some decorating in the Club is also seen as an employee, even if they are not paid. Because the premises are on an airfield, none of the usual insurance companies are interested. Up to now I have only found Haywards could supply such cover, which means I can't shop around. I have the exact same problem with Public Liability. (Both are due later this month) The crazy thing is, Employers is mandatory but Public isn't!