Covering you against the costs of claims arising from employee injury or illness at work.
Employers Liability insurance provides cover for businesses if a claim for compensation is made by an employee as a result of an injury or illness suffered due to the work they carry out in your organization.
Ultimately, if an employee suffers an injury and/or illness during working hours, your business could be responsible and liable.
By taking out the Employers Liability cover, both you and your employees are protected. Your business will also be protected from claims for legal, compensation or even medical expenses made by someone in your organization.
A waitress at a restaurant takes a hot soup over to a table with customers waiting. On her way to the customer’s table the employee slips on the wet floor. The fall occurred due to the floor being cleaned with no wet floor sign visible and the employee receiving no forewarning of the wet floor. The slip and fall led to the employee hitting their head and becoming concussed.
The employee has now had to take several weeks off work while receiving hospital treatment. Costs were incurred through constant travel between treatment locations as well as a loss of earnings for the time they’ve been unable to work. After making a claim and going through the courts the employer was found liable. The employee made a claim for loss of earnings and compensation which were both covered under the employer’s liability insurance held by the restaurant in question. The employer was also relieved to know that the court and other legal costs were also covered by the insurance.