"
Employers' liability is essential and it is of course compulsory for the vast majority of businesses."
Roach points out that in April 2013 it became law that solicitors had to report most personal injury claims up to PS25,000 - including
employers' liability - through an online system run by the Ministry of Justice.
The alternative is a system of more or less pure
employers' liability. In such a world, the employer is personally liable for the damage sustained by his employees, in the same way that he is liable to third parties.
It will also look at the scope of help that could be provided by an
employers' liability insurance bureau, the timing of claims and how much compensation could be paid.
Those historic insurers whose
employers' liability policies had a similar wording to that in the Bolton case should now fund the claims they have declined since 2006, and all future claims.
The research also shows that 21 per cent do not understand what
employers' liability insurance covers.
And it called for a new database, to provide evidence that firms have
employers' liability insurance.
Employers' liability cover is taken out by firms to insure them against their staff being injured or contracting industrial diseases at work.
Minister for Work Nick Brown said, ``We recognise that many businesses were hit hard by
employers' liability insurance premium increases last year and the Government is committed to improving the outlook in difficult market conditions.
The Association of British Insurers said premiums for
employers' liability insurance had risen by 100% during the past five years and cover would soon become unaffordable unless changes to the system were made.
The Certificate of Insurance should also indicate that the organization carries Workers' Compensation and
Employers' liability Insurance in accordance with the laws of your state.
Also available are stand-alone options that include
employers' liability and fiduciary liability insurance.
