There are many laws for employers to comply with in the UK. They relate to all aspects of using labour such as holidays, maternity, working hours to name just a few. There are also laws relating to the health and safety of the staff while they are at work and like all the laws and regulations, if the employer does not comply they can face stiff penalties and may even have their business closed.
The best way to avoid an employee making a personal injury claim is to comply with the laws and protect the health and safety of your employees while in the workplace. Unfortunately even if you do this, accidents might still happen and employees may still be injured.
One of the other laws says you should have employers liability insurance with at least £5,000,000 worth of cover. At renewal each year the insurer will provide a certificate of insurance, which really you should have on display. If it is not and employees request to see it, you should not refuse to show it to them.
You are exempt from 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. Many employers still have the cover though because although you are exempt, that does not stop the employee making a personal injury claim if they are injured in the course of their work, even if they are abroad at the time.
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.
- Family businesses, that are not limited companies, where all the employees are close family members including spouse, grandparents, children, grandchildren, brothers and sisters.
You will be made to pay
£2500 for each day you are without the prescribed cover is the penalty for not having the correct insurance. 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.
Claiming with Accident Advice Helpline or injury solicitors in Dartmouth
Although we do not have injury solicitors in Dartmouth we can still represent you and your claim. This is because we are a national firm that works across the whole of the UK. So if you need injury solicitors in Dartmouth look no further than our expert service.
Accident Advice Helpline have been helping claimants get the compensation they deserve for over 13 years and we have the experience needed to deal with the large insurance companies who would settle any claims made by your employees.
Your employee should give us a call on our free helpline, 0800 689 0500 or from your mobile on 0333 500 0993 for all the free advice and legal support they will need when they want to make a personal injury compensation claim.
Or they can complete the 30-second test on our website, this will give them an estimate of the amount of compensation they may be awarded.
Date Published: 10th December 2013
Author: David Brown