is £5,000,000 per occurrence. Market practice is to usually provide a minimum £10,000,000 with inner limits to £5,000,000 for certain risks, e.g. workers on oil rigs and acts of terrorism. These employers do not require Employer's Liability Insurance: local authorities (other than parish councils) joint boards or committees whose members include members of local authorities police authorities nationalised industries or their subsidiaries certain bodies which are financed out of public funds employers of crews on offshore installations, ships or hovercraft, if they are covered instead with a mutual insurance association of ship owners or ship owners and others a health service body or NHS Trust "Employees" are defined as anyone who has entered into or works under a contract of service or apprenticeship with an employer. The contract may be for manual labour, clerical work or otherwise, it may be written or verbal and it may be for full-time or part-time work. These persons are not classed as employees and, therefore, are exempt: persons who are not employees (for example independent contractors who are not the employees of the person engaging them) people employed in any activity which is not a business (such as domestic servants) people who are related to the employer – husband, wife, father, mother, grandfather, grandmother, stepfather, stepmother, son, daughter, grandson, granddaughter, stepson, stepdaughter, brother sister, half-brother or half-sister people who are not normally resident in the United Kingdom and who are working there for fewer than 14 consecutive days. Employees need to establish that their employer has a legal liability to pay compensation. This will principally be a breach of a statutory duty or under the tort of negligence. If the employer is insolvent or no longer in existence, then compensation can be sought directly from the insurer under the terms of the Third Parties (Rights against Insurers) Act 2010. For the history of worker's compensation in the UK, see Workmen's Compensation Act 1897 and following acts. United States In the United States, some form of workers' compensation is typically compulsory for almost all employers in most states (depending upon the features of the organization), with the notable exception of Texas as of 2018. Regardless of compulsory requirements, businesses may purchase insurance voluntarily, and in the United States policies typically include Part One for compulsory coverage and Part Two for non-compulsory coverage. In many states, employers that can prove they have sufficient funds to cover