What if I need free claims advice in St Davids?
St Davids is a city and community in Pembrokeshire, Wales. Tradition states that David was born to Saint Non at what is now St Non’s, just to the south of the city, in about AD 500. It is also said that he was baptised at Porthclais, now the city’s port and was brought up by his mother at Llanon. The residents of St Davids need to earn a living, just like everyone else in the UK. If they have an accident at work they may need to get free claims advice in St Davids.
Most employers need employers insurance, normally called employers liability insurance to protect them from an injury claim in St Davids
In the UK it is, with a few exceptions, compulsory to have employers insurance if you employ anyone. You are responsible for the health and safety of your employees while they are at work, and the insurance is meant to cover you if one of them has an accident, or a former employee becomes ill because of something involving their employment with your business.
How Much Cover do I Need against an injury claim in St Davids?
The legal requirement is a minimum of £5,000,000, although a lot of insurance companies that offer employers insurance start their cover at £10,000,000.
Is there any chance I am exempt from this rule?
You do not need employers insurance if your employees are based abroad, and in the course of their work spend no more than 14 days continuously in the UK.
The other main exemptions are:
- Family businesses, that are not limited companies, where all the employees are close family members including spouse, grandparents, children, grandchildren, brothers and sisters.
- Companies with only their owner in employment where that person owns more than half of the issued share capital in that company.
- Some organisations that are financed by public funds such as passenger transport executives and magistrates.
Do I need to have Employers Insurance cover for all my employees?
If there is any form of contract between you, whether written, spoken or implied, then they will come within the scope of your policy, and when informing the insurance company how many employees you have, should be included.
What happens if I do not have the necessary insurance to cover an injury claim St Davids?
You will be heavily fined, up to £2500 per day.
If one of my employees does have an accident, where can they get help?
Accident Advice Helpline will help them as we have many thousands of others over the last 13 years. We are experienced and knowledgeable when it comes to making an injury claim St Davids.
At Accident Advice Helpline, we are used to dealing with insurance companies, know what they expect from a claim, and we know how to handle them. Your employee should contact us on our freephone number, 0800 689 0500, and speak to one of our friendly advisers. Or they could complete the 30-second test on our website for guidance as to the amount they may receive. Get in touch today for free claims advice in St Davids.