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EMPLOYERS’ LIABILITY INSURANCE

Employers’ liability insurance is legally required in the UK and it is there to cover the compensation payment and the legal costs in respect of a claim for work related injury/illness. Typically, UK policies give cover for up to £10M any one claim.

Increasingly, and in light of recent changes in law to the Ogden Discount Rate, it is necessary to increase this limit.

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How do employers’ liability insurance claims occur?

An employee sues their employer for what they allege is a work-related illness or injury.

The compensation amount may take into account things like medical costs and lost income.

In many circumstances this also extends to former employees.

Examples of Claims

A former warehouse employee may submit a claim after leaving the job alleging that they sustained an injury when manually lifting a box of parts from the store racking as part of their day to day duties.

An office worker is badly injured when they trip over a cable running across the floor.

A manual employee sues his employer after sustaining a serious cut to his finger whilst using a sharp knife in the Goods in Area of the Warehouse when unpacking a pallet of stock.

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Indeed slips, trips and falls along with manual handling do make up a significant proportion of claims for injury by employees/former employees.

We offer a personal claims service when claims occur and stand by our client’s side when dealing with the insurance company.

Risk Management – Whilst it is impossible to prevent all such incidents it is certainly possible to reduce your exposure by putting in place robust training/documentation processes and plans. We know that the last thing that you want as an employer is for any of your employees to get hurt whilst working for your business.

We have experience, expertise and the desire to help in these areas. We also have access at the highest level to “partners” in areas such as Health & Safety, Legal, as well relationships with UK Insurance Companies at senior level.

Our Tailored Insurance Offer Includes:

BUSINESS INTERRUPTION
INSURANCE

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EMPLOYERS’ LIABILITY INSURANCE

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PRODUCTS & PUBLIC
LIABILITY INSURANCE

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PROPERTY INSURANCE

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