Injury claims lawyer in Lower Largo
Lower Largo is a village if Fife, Scotland. An ancient fishing village, Lower Largo has gained fame as the 1676 birthplace of Alexander Selkirk, the inspiration for Daniel Defoe’s Robinson Crusoe. The arrival of the railway in 1856 brought many tourists to Lower Largo’s sandy beach. It would be surprising if Robinson Crusoe had employers liability insurance and he would not have used an injury claims lawyer in Lower Largo either.
The legal requirement of employers liability in case an employee decides to use an injury claims lawyer in Lower Largo
All employers have a legal duty to protect the health and safety of their employees while in the workplace. For most of them, this includes having employers liability insurance, there in case an employee needs to use an injury claims lawyer in Lower Largo because of injuries sustained through the fault or negligence of the employer.
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.
- Family businesses that are not limited companies, where all the employees are close family members including spouses, grandparents, children, grandchildren, brothers and sisters.
Although these concerns are exempt from the need to have the insurance, many of them buy it regardless to protect themselves in case of accidents.
What happens if an employer does not comply?
The fines for not complying are horrendous, £2500 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 £1000.
The difficulty of dealing with the insurance companies
Dealing with insurance companies can be notoriously difficult for the layperson. This is not the case for our solicitors. They deal with insurance companies on a regular basis. They know how to complete their forms, 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 689 0500, is manned by friendly and professional advisers who will discuss your case with you and without any pressure at all, help you decide the best way forward.