Liability & Indemnity

Insurance in action Employers? liability insurance

Keith Lynn | 30 September 2015 | 9 years ago

Employers' liability is a legal requirement built to protect you if an employee is injured or becomes seriously ill through working for you
Employers’ liability is a legal requirement built to protect you if an employee is injured or becomes seriously ill through working for you
This week were wrapping up our run-through of the core business insurance covers employers? liability is the final policy were putting under the claims microscope.

A legal requirement built to protect you if an employee is injured or becomes seriously ill through working for you, it differs from public liability and professional indemnity so what does your average claim look like?

Mind the gap

An employers? liability policyholder was fortunate enough to win a building job. However, they were unfortunate in that their site suffered a fire, with a ceiling beam lost in the process. This was then covered by insulation, meaning that it was tricky to see the subsequent gap, and an unlucky employee fell through it the result an insurance claim.

Total settlement: 5, 700

Back to earth with a bump

A policyholder’s employee was working on some scaffolding during a roofing job when they lost their balance and fell awkwardly onto the concrete floor below. This resulted in a bone-shattering broken arm, which forced the employee out of work. The policyholder’s employers? liability insurance shouldered the costs.

Total settlement: 14, 129

Slippery customer

A delivery firm sent an employee to a job at a private address. Upon arrival the employee set about offloading, and everything was going perfectly? until he slipped on a guardrail and fell severely breaking a wrist and injuring his shoulder. An insurance claim inevitably followed.

Total settlement: 23, 12

In each of these cases the businesses involved were wise enough to put a policy in place. Without one theyd have been breaking the law, and they could have faced fines on top of those costs potential fines of up to 2, 500 per employee, per day.

So in short, if you’ve got one employee or more be sure to cover up!

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