Family members that work for you don't need to be added to an employers' liability policy, but part-time and temporary staff do.
Oh no, there's been a riot there.
The Brewers Arms
The building is damaged, we've lost all our stock and most of our equipment. Thank goodness I've got buildings and content insurance!
Buildings insurance covers the cost of repairing or rebuilding business premises if they are damaged. It covers risk such as flooding, fire, storms, subsidence and riot, but not general wear and tear. Premises should be insured to the amount it would cost to rebuild them, including site clearance and professional fees, not their market value.
It's not required by law, but usually required by a mortgage provider as a condition of a commercial loan. If business premises are rented, the landlord is responsible for buildings insurance, but tenants should check the building is insured before signing the lease.
Anyone that runs their business from home should check that their home insurance covers them for business activities.