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Employers Liability Insurance

Employers Liability Insurance

What Is It?

The Employers' Liability (Compulsory Insurance) Act 1969 stipulates that you, as an Employer, must have at least a minimum level of insurance cover against claims bought against you by any Employee (or your former employees) who may have suffered an injury, become ill or indeed any other form of loss as a result of their work while in your employment or any such situation where your business can held accountable or responsible. In these circumstances an Employee may have the right to claim compensation from you. Employers are also responsible for the health and safety of their employees while they are at work.

What does it cover?

Under the Employment Liability Law you must have a minimum of £5million limit of indemnity, although we usually find that most of our Insurers provide £10million cover. As an Employer you are responsible for your health and safety while you are at work. Employers' liability insurance can provide compensation for injuries or illness caused on or off site. Any injuries or illness relating to motor accidents which occur as a result of your employment may be covered separately by your Employer's motor insurance.

Examples of Employers Liability Insurance Claims

Whilst dismantling scaffolding a member of staff fell from roof. Employer was found negligent as insufficient training was given.
Whilst at work a member of staff was electrocuted by wires under desk, employee suffered burns and shock. Employer was found negligent.
After 30 years an employee found that he had mesothelioma, a cancer of the lung lining caused by exposure to asbestos (which takes 30 to 50 years to develop).

NB: A claim can arise in a number of different ways, if an employee is injured or dies as a result of the companies negligence then they, the company, will be held responsible.

Benefits of Commercial Risks Liability Insurance Products:

  • Commercial Risks are well known for placing complex and difficult risks.
  • Knowledge of the UK Liability market and understanding of underwriters >specialist requirements
  • Independent broker status
  • Wide range of insurance products.
  • Close ties with Lloyds and London Underwriters
  • Ability to facilitate large sums insured (We are happy to discuss whatever limits you require)
  • Legal fees / Court costs included
  • No minimum premiums
  • Rapid Quotes
  • Best cover at the best price
  • Exceptional Service levels

For a free quote click here