Employers liability insurance – Claims examples
Below are two examples of when a claim might be brought against a business. They are very different, illustrating the need for every business to have cover.
An employee is working with some heavy machinery in your factory. The correct safety protocols are not in place and as a result they get a severe arm injury that keeps them off work for months. A negligence claim is brought against your business and you are found to be liable for the injury. Your employers liability insurance covers the legal costs and the compensation.
A member of staff has made a coffee and is walking back to their desk. They trip on a loose wire and fall, causing a broken wrist and burns. Because the wire should have been covered and clearly indicated they successfully claim against the business. Your employers liability insurance covers legal fees and the pay-out.
Both example are very different but they show the scope of scenarios that can lead to a claim.
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