Employers' liability insurance is a legal requirement only once you employ someone outside your close family — a solo practitioner doesn't need it.
Public liability and professional/medical indemnity insurance aren't confirmed legal requirements for a non-employing sole trader, but they're close to a universal commercial expectation in this trade — several training providers tie their certificate directly to arranging insurance afterwards.
Before choosing cover, ask your insurer directly
Whether a specific accredited training course is required, whether cover differs between microsuction and irrigation, and whether standard cover is adequate for an older or at-risk client base.
Don't treat any single scheme's advertised cover limit as an industry standard
These are product-specific figures, not statute.
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