Employers’ Liability Compulsory

Employers Liability (Compulsory Insurance) Act 1969. A short guide (superseded by HSE 36 1998)... 

Employers are responsible for the health and safety of employees while they are at work. Employees may be injured at work, or they or former employees may become III as a result of their work while employed. They may try to claim compensation from the employer if they believe them to be responsible. The Employers Liability Compulsory Insurance Act 1969 ensures that an employer has at least a minimum level of insurance cover against any such claims. 

An employer needs employers liability insurance unless they are exempt from the Employers Liability Compulsory Insurance Act. The following employers are exempt ... 

A full list of employers who are exempt from the need to have employers liability insurance is shown at Schedule 2 of the Employers Liability (Compulsory Insurance) Regulations 1998. 

Since the 1st January 1972 it has been compulsory for employers to insure against their liability to pay damages for bodily injury or disease sustained by their employees arising out of and in the course of their employment. This was enacted by section 1(1) of the Employer s Liability (Compulsory Insurance) Act 1969 and failure to comply with the provisions of the Act by an employer renders him guilty of an offence and liable to summary conviction - section 5. 

Insurance requirements compulsory insurance for Employers Liability third party insurance against road accidents Nl sickness, injury and disease benefits. 

Employer s Liability (Compulsory Insurance) General Regulations 1972 115... 

Public liability insurance is different. It covers for claims made against a person/company by members of the public or other businesses, but not for claims made by employees. While public liability insurance is generally voluntary, employers liability insurance is compulsory. Employers can be fined if they do not hold a current employers liability insurance policy which complies with the law. 

Due to the nature of the common law relating to negligence in the UK it is obvious that an employer is liable to be sued for compensation for any loss or damages suffered by his employees. It is for this reason that employers in the UK are obliged by law to hold compulsory employers liability insurance . This insurance covers the employers for claims from their employees for up to 5 million. Employers will also take out public liability insurance to cover themselves from claims made by third parties who are seeking compensation for a loss, although this is not compulsory. 

There is a legal requirement upon most employers to have in force employer s liability insurance covering injury to their employees. Public liability insurance, while not compulsory, is strongly recommended, both in terms of third-party liability (arising from the effects of corporate activities) and product liability (arising from the effects of corporate products. 

With effect from 31 December 1992 the Motor Vehicles (Compulsory Insurance) Regulations came into force requiring all passengers to be covered by motor insurance, including liability arising out of and in the course of employment. 

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