Every employer in the UK has a legal responsibility to ensure the health and safety of their staff while they are in the workplace. They should make sure their work environment is a safe place, and that employees do not become injured through no fault of their own.
In the majority of cases, it is compulsory for them to have employers’ liability insurance if they employ staff. This insurance is supposed to cover them if a staff member has an accident or a former employee becomes ill because of something involving their employment with your business.
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The legal requirement of cover for employers’ liability insurance is a minimum of £5 million. It is usually part of a total package for businesses, and a lot of insurance companies that offer employers’ liability insurance start their cover at £10 million.
If there is an accident in the workplace and an employee is injured through no fault of their own, they may well speak to solicitors in Eastbourne about making a personal injury compensation claim, and it is this insurance company that would pay the compensation.
Some employers are exempt from having employers’ liability insurance, including:
- 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, in which all the employees are close family members, including spouses, 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;
- Government departments and agencies, the police being a prime example; and
- Health trusts
Just because they are exempt, that does not mean that they cannot purchase insurance voluntarily, and many of them do to ensure they are covered if approached by solicitors in Eastbourne about a personal injury compensation claim.
The insurance needs to cover all staff members
If there is any form of contract between the employer and employees, whether 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.
Accident Advice Helpline can help your employees if they need to make a personal injury claim
Accident Advice Helpline are used to dealing with insurance companies – we know what they expect from a claim, and we know how to handle them. Your employee should contact us on our freephone number, 0800 689 0500 from a landline or dial 0333 500 0993 from a mobile, and speak to one of our friendly advisors. Alternatively, they could complete the 30-second test on our website for guidance as to the amount they may receive.