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.
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.
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:
- 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