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Learn the Nuances and Need for Employers Liability Insurance

Published: 11/12/09

According to Health and Safety Executives, in the UK it is mandatory for all employers to hold Employers Liability Insurance if they have people working in their company. This type of insurance has become mandatory in almost 80% of countries across the globe, as there have been a large number of cases reported where the small companies have declared bankruptcy when they have to pay for the claims filed by their employees.

Need for Employers Liability Insurance

This insurance cover is taken by employers to provide their staff with a security net in case they suffer from injury or contract any disease during the course of employment. There could also be incidences when employees can lose their limbs or die due to lack of safety at the employer’s worksite. All these compensation cases can be covered by Public liability insurance. This insurance also covers all legal fees, besides the compensation amount. However this type of insurance does not cover the claims that could be made by the employees based on sexual discrimination and the like.

All employers opting for liability insurance receive a certificate that can be displayed by them in their premises, giving an added confidence to their employees that they are safe, well protected and cared for by their employers.

Nuances of Employers Liability Insurance

As per the Employers Liability Act of 1969, all employers (with the exception of few) are required to have liability insurance worth ₤ 5 million with a well known insurance company to safeguard their employees. Most of the insurers provide more than ₤ 10 million cover to the insured companies. The firms that are exempt from this clause are the self-run, very small companies where the owner is the employee. It is important to remember that even sub-contractors, part timers and students that are working as trainees temporarily in the firm are considered a company’s employees, and need to be provided with an insurance cover. However family members and close associates of the employers are not covered under this insurance policy.

Employees of the company can file for a liability claim when there has been:

  • Some discrepancy in calculating their working hours
  • Faulty calculation of their wages
  • A work related accident or injury caused due to the negligence of the employer
  • Illness that has been caused due to hazardous working conditions like exposure to asbestos or defective work procedures.

Employee can stake a claim irrespective of the status of the company they had been working in. Even if the business is in the state of liquidation or receivership, employees can file a claim and employers will be liable to pay as per the law.

Things to remember before signing up

  • Understand all the aspects of the liability insurance by browsing through the internet and take note of the guidelines which apply to your business.
  • Take help of an experienced agent who will help you get a policy with best terms and conditions and low premium rates.
  • Invite quotes from 2-3 different vendors, compare their coverage and select the one that best suits your need.
  • Lastly remember that if your firm is a member of the Chamber of Commerce or any business association, you may get better rates.

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