I have a business and i want to apply for sponsorship licence for my business.
I came across the documents needed and I found that I need Employer Liability insurance certificate, for up to 5 million cover. When i went to insurance company they told about different covers which are as below and my question is do we need all covers or just 5 million employer liability insurance cover.
1) Public liability
2) contents cover
3) Stock cover
4) legal expenses
5) hospital cash plan
6) excess protection cover
7) Business turnover protection

Can anyone please guide me on this.
Thank you.