provides cover with respect to employees, where benefits are provided in order to fund compensation or legal fees if an employee is injured, made ill or killed at work.
The decision was appealed by run-off insurers who sought to apply an earlier Court of Appeal decision in a public liability claim involving Bolton Council to the employer's liability
The CGL form does have an employer's liability
exclusion, but this applies to bodily injury to an employee, and not to bodily injury suffered directly by a child in utero.
He added that employer's liability
insurance was a ``particularly hazardous'' business for insurance companies.
46) The Court did not intend the categories to determine an employer's liability
for discrimination by employees.
The only exception in which an employer/small business does not have to take out employer's liability
insurance are if he/she employs only: * Her/himself.
Last year there were more than 105,000 Employer's Liability
personal injury claims.
International coverage, including property, general liability, foreign voluntary workers' compensation, employer's liability
and kidnap and extortion, is available through International Advantage, an ACE American insurance policy.
3121(q) precludes the use of an aggregate estimate, specifying that "wages" include tips, but only those received by an employee in the course of his or her employment, with emphasis on the employer's liability
for each individual employee's tips, not on total employee tips.
The talks follow claims that soaring employer's liability
insurance premiums are threatening many small and medium businesses in 'high risk' sectors such as building, transport maintenance and mining.