If I make an injury claim in Speke, will my employer be insured?
All employers have a duty to protect the health and safety of their employees while in the workplace. For most of them, this includes having employer’s liability insurance, which is there in case an employee needs to make an injury claim in Speke because of injuries sustained through the fault or negligence of their employer.
There are exceptions to the rule
If your employees are based abroad, and in the course of their work spend no more than 14 days a year in the UK, you will be exempt from the need to have this type of insurance. The other main exceptions are:
- 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;
- Companies with only their owner in employment, where that person owns more than half of the issued share capital in that company;
- Government departments and agencies, local authorities, the police and nationalised industries; and
- Family businesses that are not limited companies, where all the employees are close family members including spouses, grandparents, children, grandchildren and siblings.
Although these concerns are exempt from the need to have insurance, many of them purchase it regardless to protect themselves in the case of an injury claim in Speke.
Does the law say how much cover is needed?
UK law specifies that the minimum cover should be £5 million. However, many of the insurance companies start their cover at £10 million, and the cover is usually part of a package for the business’s insurance needs.
What happens if an employer does not comply?
The fines for not complying are horrendous — £2,500 for each day you are without the prescribed cover. The Health and Safety Executive, who if they call at your premises would expect to see your certificate of insurance on display, monitor this. If it is not and you refuse to make it available for them, there is a fine of up to £1,000.
It can be difficult dealing with the insurance companies
Dealing with insurance companies can be notoriously difficult for the layperson. This is not the case for our solicitors, because they deal with insurance companies on a regular basis. They know how to complete their forms and answer any awkward questions, and they speak the same language — legal jargon. They will make the whole process a quick and efficient experience for you, giving you as little hassle as possible along the way.
Our user-friendly website has a test that takes just 30 seconds to give you some guidance about the validity of your claim and the amount you can expect. Our freephone helpline, 0800 180 4123, is manned by friendly and professional advisors who will discuss your case with you, and without any pressure at all help you to decide the best way forward.
Date Published: 18th September 2013
Author: David Brown