What is Employers Liability & How Can it Affect You?

In the workplace every employer must have employers liability insurance.  The purpose of this insurance is to provide cover for compensation for any accident at work affecting employees, and this insurance is required by law under the Employers Liability (Compulsory Insurance Act) 1969.

An employer has a duty of care to take reasonable care to ensure the safety of their employees whilst in the course of their employment.  They can breach this duty of care by not providing competent staff, adequate equipment, a safe system of work, and safe premises. If they do breach this duty of care and as a result, an employee suffers injury and financial loss, an employee can bring a personal injury claim that will be covered by their employers, employers liability insurance.

Employer’s liability is an area that many people feel sceptical about bringing a claim under, due to the employer/employee relationship. However, the HSE (the Health and Safety Executive) has the role of enforcing health and safety in the workplace, and it is an employer’s duty to ensure they abide by this enforcement and enact on any suggestions made for them to improve.

One other way employers fulfil their duty to their employees is by providing them with sufficient training and ensuring this training is updated on a regular basis, making sure any new processes and information is passed onto employees to ensure they are working in the best and safest way.

If you have had an accident at work as a result of your employer breaching their duty of care in the ways described above, get in touch with Express Solicitors on 0845 456 4007 to speak to a personal injury expert. Your claim will be assessed and, if accepted will be handled by the employers liability team, who will be happy to help you get the justice you deserve for your injuries.

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