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UK Employer liability insurance cover |
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Employer
liability insurance |
Employers
Liability Insurance is required by law once an
employee is taken on. The prescribed legal minimum
is currently [2001] £5m of cover against
bodily injury, illness or disease sustained in
the course of employment. Over the past ten years
their has been a huge increase in litigation,
the emergence of the 'sue them' culture, record-breaking
court awards and a whole raft of new liabilities
not though of when the legislation was drafted,
have all added to industry losses. Employers Liability
insurance became a legal requirement in 1972 as
a direct result of the 1969 Employers Liability
Act. We are able to offer competitive rates for
employers liability insurance coupled with high
levels of service with easy to understand advice.
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What
does employers liability insurance cover?
The
definition of an employee is anybody you have on your
premises who is assisting you in your work. It may be
on a part-time basis, a full-time employee, students
on work experience courses, a self- employed sub-contractor,
a person working on a trial basis to see if they are
suitable and even voluntary workers. They are all technically
employed by you, because they are under your instruction
and working on your premises. You will therefore need
Employers Liability Insurance to cover employees against
accidents and injuries to themselves whilst working.
What does the employers liability insurance policy
cover for you?
The policy itself covers you for claims made against
you if an employee is killed, injured or contracts an
illness or disease whilst working for you in connection
with your business. It also covers you for the claimant's
costs and expenses plus the cost of your legal representation
at a Coroner's Enquiry, and in any Court proceedings
made against you by an employee. You will also be covered
for costs and expenses incurred in the defence of a
prosecution relating to the welfare of employees under
the Health and Safety at Work Act 1974. This is now
extended to cover the Education (Work Experience) Act
1973.
Potential claims against you
Some examples of the types of claims which could arise
are an employee working at height, for instance painting
a mural on a wall. They may slip and have an accident.
An employee using a piece of machinery may sever a limb,
a finger or a hand. Another common incident that arises
is the inhalation of fumes. Over a period of time this
could lead to illness and possibly death.
Click
here for the Employment Liability insurance regulations
1998
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Questions? support@finanz.co.uk
Phone: (+0044) 0845 130 0009 Fax: (+0044) 0845 370 0021
©2003-2006 Great British Finance Limited, E&OE. All Rights Reserved.
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