Advice for employers before one of their employees uses an injury attorney in Newby Bridge
Newby Bridge is a small hamlet in the Lake District, Cumbria. The hamlet is the site of an intermediate halt on the Lakeside & Haverthwaite Railway. Whilst the main land use is sheep farming, tourism also plays a significant part, with the Newby Bridge Caravan Park accommodating many guests each year.
Employers in the Lake District, as with anywhere else in Britain, have certain duties towards their employees. One of these is to make sure that they are adequately insured in case of a work-related accident which causes the employee to launch an injury claim using an injury attorney in Newby Bridge.
Employers’ liability insurance is the cover they need
There are a few exceptions to the rule, but for most employers it is compulsory to have employers’ liability 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.
The cover you will need
The legal requirement is a minimum of £5 million, although a lot of insurance companies that offer employers’ liability insurance start their cover at £10 million.
You do not need employers’ liability 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:
- Government departments and agencies, local authorities, the police and nationalised industries;
- Health service organisations including NHS trusts, health authorities, primary care trusts and Scottish health boards;
- Some organisations that are financed by public funds, such as passenger transport executives and magistrates;
- Family businesses that are not limited companies, where all the employees are close family members including spouses, grandparents, children, grandchildren, brothers and sisters; and
- Companies with only their owner in employment where that person owns more than half of the issued share capital in that company.
You need cover for all of your employees
If there is any form of contract between you and your employees, whether written, spoken or implied, they will come within the scope of your policy, and when informing the insurance company how many employees you have they should all be included. This is to make sure that you are covered if any of them decide to make an injury claim using an injury attorney in Newby Bridge.
Help for you both with an injury attorney in Newby Bridge
The insurance provider will have a legal team to act on behalf of the employer if they receive a claim from an injury attorney in Newby Bridge. The employee should contact Accident Advice Helpline. We are used to dealing with insurance companies, know what they expect from a claim and know how to handle them. They should contact us on our freephone number, 0800 180 4123, and speak to one of our friendly advisors. Alternatively, they could complete the 30-second test on our website for guidance as to the amount they may receive.
Date Published: 17th October 2013
Author: David Brown