Employers all over Britain have certain duties towards their employees, one of which is to make sure that they are adequately insured in case of a work-related accident. It is the employers’ liability insurance company with which a law firm would deal to settle a compensation claim if an employee is injured at work through no fault of their own. So if you want to claim after a serious workplace injury in Mole Valley, read on.
Employers’ liability insurance
For most employers, it is compulsory to have employers’ liability insurance. Employers are responsible for the health and safety of their employees while they are at work, and this insurance is meant to give cover if one of them has an accident, or a former employee becomes ill because of something involving their employment.
In this situation, employees should contact a law firm in Mole Valley through Accident Advice Helpline for help to claim the compensation to which they are entitled.
The cover legally required
The legal requirement for employers’ liability insurance is a minimum of £5 million, although a lot of insurance companies that offer the insurance start their cover at £10 million.
The exceptions to the rule
There are a few exceptions to the rule requiring this insurance, such as:
- Government departments and agencies, local authorities, the police, and nationalised industries;
- If your employees are based abroad and spend no more than 14 days continuously working in the UK;
- 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;
- Family businesses, which are not limited companies, where all the employees are close family members including spouses, grandparents, children, grandchildren, brothers, and sisters; and
- Companies with only their owner in employment, where that person owns more than half of the issued share capital in that company.
No matter what their legal status, all employees should be covered
No matter what the legal employment status of a worker is, if there is any form of contract between employee and employer, whether written, spoken, or implied, the employee will come within the scope of the employer’s insurance policy. When informing the insurance company how many employees you have, they should all be included; this is to make sure you are covered if any of them decide to make an injury claim using an injury lawyer.
Making a claim for your serious workplace injury in Mole Valley
Employees should contact Accident Advice Helpline for help making their personal injury claim. We are used to dealing with insurance companies, know what they expect from a claim, and we know how to handle them.
Give us a call today to discuss your serious workplace injury in Mole Valley.
Date Published: 27th July 2014