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    "If you've been injured through no fault of your own you could be entitled to compensation. If you're unsure if you could claim, I recommend you call Accident Advice Helpline."

    Esther Rantzen

    Injury solicitors in Colmworth


    Personal Injury Solicitors in Colmworth

    Injury Solicitors in Colmworth and employers liability insurance

    All employers in the UK have a legal duty to protect the health and safety of their employees while they are at work.

    For most of them it is compulsory to have employers liability insurance if they employ anyone. 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 amount of cover you need if you have to face injury solicitors in Colmworth

    The legal requirement is a minimum of £5,000,000.  It is usually part of a total package for businesses and a lot of insurance companies that offer employers insurance start their cover at £10,000,000. If there is an accident at your workplace and an employee is injured through no fault of their own, they may well speak to injury solicitors in Colmworth about making a personal injury compensation claim.

    The exemptions

    Those exempt from having employers’ liability insurance include:

    • Government departments
    • Health trusts
    • Some organisations that are financed by public funds such as passenger transport executives and magistrates.
    • If employees work abroad and spend no more than 14 days a year work related in the UK
    • 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

    Because they are exempt does not mean they cannot purchase it voluntarily, and many do.

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    The insurance needs to cover all employees

    If there is any form of contract between the employer and employees, whether it is written, spoken or implied, then they will come within the scope of the policy. When you are making the annual declaration to the insurance company of how many employees you have, they should all be included.  Their tax status, as employed or self-employed is a totally different matter, and what really matters is the amount of control you have over the work they do for you. If you are in control of them then they should come within your employers’ liability insurance.

    Go without at your peril

    The fines for not complying with this law 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 help your employees can get if they need to make a personal injury claim

    Injury solicitors in Colmworth at Accident Advice Helpline are used to dealing with insurance companies and know what they expect from a claim, and we know how to handle them.  Your employee should contact us on our freephone number, 0800 180 4123, and speak to one of our friendly advisors. Or they could complete the 30-second test on our website for guidance as to the amount they may receive.

    Date Published: 5th December 2013

    Author: David Brown

    Accident Advice Helpline (or AAH) is a trading style of Slater Gordon Solutions Legal Limited. Slater Gordon Solutions Legal Limited is a company registered in England and Wales with registration number 07931918, VAT 142 8192 16, registered office Dempster Building, Atlantic Way, Brunswick Business Park, Liverpool, L3 4UU and is an approved Alternative Business Structure authorised and regulated by the Solicitors Regulation Authority with licence number 591058 and regulated by the Financial Conduct Authority.

    Disclaimer: This website contains content contributed by third parties, therefore any opinions, comments or other information expressed on this site that do not relate to the business of AAHDL or its associated companies should be understood as neither being held or endorsed by this business.

    No-Win No-Fee: *Subject to insurance costs. Fee payable if case not pursued at client's request.