What is Employers liability
Insurance?
Once you are in a position to make
an informed decision about your accident experience you may decide to make a
personal injury claim against your employer.
Any claims should be covered by
the employers own insurance.
Most employers are required by law
to have Employers Liability Insurance, failure to have this can mean that
sanctions are imposed against the employer. Taking such a policy out ensures
that funds are available to meet the costs of compensation and legal fees
where an employee is injured or becomes ill as a result of the fault of the
employer. This also means that an employee can seek compensation even if
that business goes into liquidation or receivership.
The claims themselves are dealt
with via the employer’s insurance company and not the actual employer
themselves. The employer only becomes involved in a claim when they have to
provide accident details to the insurers when they are investigating the
claim to prove where fault lies for the accident.
A copy of the
Certificate of Insurance itself should be displayed where any employee could
easily read it.
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