All British companies must carry insurance to cover vicarious liability. This is to cover their employees for liability whilst engaged in their business. The company cannot evade liability even if the employee was acting against their instructions, SOP's etc. The law considers that right or wrong the employee would not have acted if it were not for the employers requirements. In practice it means anyone wronged sues the company and gets compensation not the employee who probably wouldn't have the means to compensate. Don't waste your money on liability insurance unless you are self employed.