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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    A guide to employer liability


    In 1969 The Employer’s Liability (Compulsory Insurance Act) was brought in to make sure that employers had the relevant insurance in order to look after their employees in the event of them being injured while working. It is worth knowing this information and in this guide to employer liability we will look at the potential issues this raises and what you need to be aware of should you be injured in the workplace.

    Provision

    One important aspect to note is that the employer needs to use an approved employer liability policy by an authorised insurer. Furthermore, they are also expected to have the relevant certification to hand to prove that they have got the insurance as well and that copies can be made if an authorised inspector asks for it. If an employer does not comply with this then they can be fined.

    Proving liability

    One of the problems with making an employer liability compensation claim is proving that an employer is responsible. For example, if you were told by your employer that wires need to be either moved aside or taped down and you not doing that resulted in an injury then you would not be entitled to compensation because your employer can rightly say that they gave you instructions that you didn’t follow. By contrast, if you slip on a wet floor and there isn’t a hazard sign showing this, then you could make a claim because this is the responsibility of the employer.

    Making a claim

    A common concern we see from people is that employer liability compensation claims will affect their employer and cost them in the long term. However this is the point of having liability insurance so that employees can be looked after if they are unable to work due to negligence on the part of the employer. If they do not provide compensation then it is only fair to pursue a case further so that you can get the financial recompense you deserve.

    What you can claim for

    Employer liability compensation can include:

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    • Lost earnings. The amount of time you spend not working due an  injury or illness caused in the workplace is something that you should be compensated for.
    • Expenses. For example, if you normally cycle to work an accident means you have to use public transport or drive then you may be compensated for this additional expense.
    • Medical expenses. This can include prescription medication, physiotherapy and other costs.

    Why you should contact Accident Advice Helpline

    The problem with contacting an insurer is that they may want to settle an employer liability compensation case as soon as possible. While this can mean money in the short term it may not be in your best interests in the long term. With over 13 years of experience Accident Advice Helpline has dealt with many liability cases. Our helpline is available 24 hours a day so it is worth contacting us to learn more about whether or not you should pursue a claim and what you can do to maximise your chances of getting compensation. Don’t delay, contact us today!

    Date Published: October 18, 2013

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority. Authorised and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.