What if I only employ sub-contractors do I still need employer’s liability?

Yes, they are still in your employment.

Can I pay by installments?

Yes, installment facilities are available.

What is a warranty on my policy?

A warranty is applied to a policy when insurers need to make sure that certain requirements are complied with. If a warranty is applied to a policy it MUST be fully complied with. It may prejudice a claim if not fully observed. 

Will you come out and see me if I have a problem?

Yes, whilst we are based in Romford, we have staff that can visit to discuss any issues.