One of the most important things employers need to have is an employer’s liability insurance in case an employee is injured at work. They should have a minimum cover of five million pounds but some insurers will only offer a minimum of ten thousand pounds. All employers have a legal duty to protect the health and safety of their employees while in the workplace.
There are some exceptions to the rule about insurance these are situations such as where employees are based abroad, and in the course of their work, spend no more than 14 days a year in the UK.
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 spouse, grandparents, children, grandchildren, brothers and sisters. Also 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 may not be liable.
Many companies however buy it regardless to protect themselves in case of a personal injury claim being made by an employee. For example, when employees in Ayr make personal Injury Claims in Ayr.
If companies are not compliant they risk a £2500 fine for each day they were not covered. If an employee makes a claim then the health and safety executive would expect to see your certificate of insurance.
To make work related personal injury claims in Ayr
Should you need to make a work related claim, you can contact Accident Advice Helpline, these are the experts in claiming compensation for victims of all types of accidents, not just work related ones.
One option is to use our user friendly website where the simple online test takes just 30 seconds to give you some guidance about the validity of your claim, and the amount you can expect to receive.
Or you can call AAH on our free phone helpline, 0800 180 4123, which is manned by friendly and professional advisors who are on hand to discuss your case with you, and without any pressure at all, help you decide the best way forward. They will provide you with whatever information you need to help you decide if you want to make personal injury claims in Ayr, you will be under no obligation to use our services to do so. We operate solely on a no win no fee basis taking all the financial pressure of making a claim away.
You may be required to attend an independent medical examination and you should keep all proof of expenses you have incurred due to your personal injury. You may not have to attend a court hearing as most case can be dealt with over the phone.
Date Published: 7th August 2014
Author: David Brown