One of the many reasons why people who have been injured in accidents at work are unlikely to make a compensation claim in Stockton-on-Tees is because they do not wish to cause their employer to suffer financially.
What they might not be aware of is the nature of employer’s liability insurance and the fact that by law their employer must have such insurance. For an employee, the presence of such insurance means that in the event that they make a compensation claim in Stockton-on-Tees, this insurance rather than their employer will pay any compensation.
What is employer’s liability insurance?
As you may be aware, every UK employer has a legal obligation to ensure the health and safety of their employees whilst they are at work. In the event that this legal obligation (often known as a duty of care) is breached due to the actions or negligence of the employer or someone else in their employ, and another employee is injured as a result, the employee in question has the right to make a compensation claim in Stockton-on-Tees.
In order to protect themselves, their business and other employees, the law also governs that every employer must have employer’s liability insurance in place. In the event of a compensation claim being made against them, this insurance is there to settle the claim and pay any financial sums which are due to the injured employee.
Conditions of employer’s liability insurance
Under the same rules which ensure that each employer has insurance, the law also makes gives certain conditions for the insurance. These laws not only have to be followed by the employer taking out the insurance, but also any insurance company selling policies.
Such conditions might include:
- The insurer cannot refuse to pay compensation even if the employer has breached their duty of care;
- The insurance will become invalid if the employer has kept certain information from the insurance company; and
- If the insurance company bans certain actions, the employer must either cease such actions or take responsibility for them outside of the insurance, knowing that if such actions cause an incident then they are solely responsible.
As a further part of their duty of care, an employer must carry out a variety of health and safety practices and ensure that their staff are aware of these practices. These should include carrying out risk assessments and taking any necessary action as a result of these assessments, giving periodical training as and where necessary, and reporting all accidents to their insurer. Failure to do this could also invalidate their insurance.
Making a compensation claim in Stockton-on-Tees
Knowing that their employer will not suffer financially as a result of their compensation claim in Stockton-on-Tees often gives people the confidence they need to make their claim. If you have been injured at work, Accident Advice Helpline can ensure that you receive compensation. With over 15 years’ experience and consumer champion Dame Esther Rantzen acting as our patron, we can ensure that your claim receives the care you deserve. Call us today on 0800 689 0500 for more information on making a compensation claim from a landline or 0333 500 0993 from a mobile.
Date Published: 20th August 2013
Author: David Brown