Originally posted by matzie
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Would you seriously have a spouse if you did something that wrong?
Anyway a bit of common sense needs to be applied if you were in a company where your employees were for example on building sites regardless of whether they were related to you or not, then yes it would be a good idea to get EL due to the accident risks. There as if your only other employee just does admin work for you at home then it's not necessary.
BTW insurers policies are done on risk. If they had to pay out for loads of companies via EL then the policy prices would go up.
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