Employers’ Liability Insurance provides cover for any compensation claims lodged by an employee or volunteer who incurs injury or becomes ill whilst doing their work.
Any group or organisation with staff, needs to be aware of the responsibilities of being an employer. The mandatory duties of an employer, with paid staff, include:-
- being responsible for the health and safety of their employees while they are at work.
- taking out Employers’ Liability Insurance
Even after carrying out a Risk Assessment and adopting a Health and Safety Policy and doing all your group can to prevent accidents, an employee may be injured at work or they (or former employees) may become ill as a result of their work while in your employment. They may believe that your group/organisation is in some way responsible, and try to claim compensation from you.
The mandatory requirement for Employers’ Liability Insurance is set out under the Employers’ Liability (Compulsory Insurance) Act 1969. This legislation will at least ensure that your group/organisation has a level of insurance cover against any compensation claims.
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Last Updated 05/09/2012 14:34