Employers Liability Insurance

The legal rights of an employee are usually defined in law under a country’s Employment Code or Workmen’s Compensation Acts. Usually these laws provide for certain fixed sums to be paid by a government body to an employee if the employee is injured in the course of his work. The sums are usually funded by a government levy imposed upon all employers. 

This may be the only compensation employees are entitled to and is usually payable without any need to prove negligence on the part of the employer. However, in some territories it is possible for the employee to take legal action in common law to recover damages for injury if the accident occurred as a result of the negligence of the employer. Negligence on the part of the employer could come about for example by the employer providing unsafe equipment, an unsafe system of work or perhaps through the negligence of another employee. Any damages awarded and the legal costs of defending any claim can be covered under an Employer’s Liability, WorkCover or Workers’ Compensation Policy.

As a business that is continually changing, we recommend your insurances be reviewed regularly to ensure that your company remains comfortable with your existing range of policies.

Please contact us at Competitive Insurance Solutions if we can assist you with any queries.