The vast majority of employers must have Employers' Liability (Compulsory) Insurance in place.  This is to ensure that funds are available for the payment of compensation in the event of industrial injury, illness or death.   Many employers are finding it increasingly difficult to keep up with the rising costs of Insurance, however, it is not an option to dispense with it.  Employers are required to keep insurance Certificates for 40 (Forty) years and must produce them when required.