One of the legal requirements for most employers is the need for employers liability insurance in case an employee makes a claim after being injured in the workplace in Warrington. It is not only a legal requirement, it makes sense to be covered in this way as for a few hundred pounds, the employer will have insurance that could pay out many thousands if an employee makes personal injury claims after being injured in an accident at work.
The Employers That Won’t Have Insurance to Pay Personal Injury Claims in Warrington
There are some exceptions to the need for employers liability insurance, Such as:
- Government departments and agencies, such as the police and emergency services, which are exempt from all types of insurance.
- Local authorities
- Nationalised industries
- NHS health trusts, health authorities and primary care trusts
- Organisations funded by public money such as passenger transport executives
- Family businesses where only close family are employed
- Limited companies where the only employee is the owner, providing they have a more than 50% share holding
Most people would be shocked to realise that the police and emergency services do not have insurance, particularly motor insurance, but just imagine how much it would cost to insure the police force or ambulances – it would be astronomical.
It’s a concern that they do not have insurance to settle personal injury claims in Warrington out of their own funds, so they set aside money each year for this as they know they will happen at some point.
Employers Need to Cover Everyone
For those employers that do have the insurance, each year they will be asked to make a declaration about how many employees they have. For these purposes, they have to include self employed people if they are under the direct control of the boss. Everyone must be included, or the insurance could be invalidated.
The other thing insurers do each year is provide a certificate of insurance which really should be on show so that all employees know they are covered. If it is not displayed somewhere, the employee can ask to see it at any time, and the boss cannot reasonably refuse the request. If HSE ask to see it and the employer refuses to show it, they can face a fine of up to £1000.
Really there is no reason to withhold sight of the certificate, unless they are not insured. This could be a decision they will regret as the HSE fines then are up to £2500 for each day they are without it.
Making claims after being injured in the workplace in Warrington
If the accident you have been injured in is work related, don’t be put off making a claim because of having to deal with these large organisations. Here at Accident Advice Helpline, we deal with them every day of the week, it is all part of the job.
Let us make your claim and it will be a simple, fast, efficient and as stress free as possible as we believe you will have had more than enough trauma because of the accident you were in.
Just dial 0800 698 0500 from your land line, or 0333 500 0993 from your mobile to speak to our expert advisers after being injured in the workplace in Warrington.