Originally Posted by
Alex_UK
Employer's Liability (injury to employees) is compulsory but not Public Liability (injury to third parties or damage to third party property) - however, the vast majority of contractors/business policies would cover Public Liability.
Regardless of insurance, it is not your responsibility in law, Jerry - if in your capacity as an employee of the company - even if you caused the damage you are not personally liable - the firm should still be responsible for the damages.