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If you employ people within your business or organisation it is a legal requirement to purchase Employers Liability insurance. The policy covers the entity or a committee if they are held liable for an injury that an employee suffers during the course of employment with the organisation.
An Employers Liability policy should also include injuries to volunteers and labour-only subcontractors working under your control. An example of this could be high-risk motorsport activities on closed public road circuits, such as the Isle of Man TT, where volunteer Marshalls may be at risk of injury from high-speed motorcycles during the course of their duties in practice or race sessions. If you need help determining what constitutes a volunteer, there’s a host of useful resources about this subject on the Sports England website.