What is Employer Liability Insurance?

This is one of the most commonly asked questions our team of accident at work solicitors about liability insurance, frequently are asked from people who have sustained injuries due to an accident at work and thinking about pursuing a claim for compensation.

By law employers are required to have Employers Liability Insurance to protect them against liability for injury or disease to their employees.

Similar to motorist insurance, all motorists must have vehicle insurance to protect them in the event of an accident. The same applies in the event of an accident at work. Employers Liability Insurance protects the employer in the event of a work accident claim being made against them. For example, if an employee suffers an injury in the workplace that was caused as a result of their employer or another employee’s negligence, they may be entitled to claim accident at work compensation.

Accident at work compensation can be claimed for with the help of a personal injury solicitor.

Many law firms in the UK specialise in accident at work claims.

In the event of a work accident claim being made, a solicitor will request evidence from the Employers’ regarding the employers’ employment and the accident circumstances to prove they are liable for their employee’s injuries.

If the claim is successful, the solicitor will claim their legal costs from the Employers’ insurance company.

Would this still apply if I worked for a small company or organisation?

Yes, Employers’ liability insurance is a legal requirement for any business which has one or more employees.

If I have sustained an injury whilst at work, what am I entitled to claim for?

If your employer has failed to carry out their duty of care and as a result of this you have suffered an injury or illness during the course of your work, you are entitled to claim accident at work compensation.

This will not only compensate you for the pain and suffering you have suffered but also for any financial losses you have sustained, including loss of earnings.

Could making an accident at work claim affect my terms of employment?

By law your terms of employment should not be affected simply because you have made, or are thinking about making a personal injury claim. If your employer dismisses you or treats you unfairly as a result of this then you should seek legal advice from an employment solicitor.

At PHC Law our team of personal injury solicitors rarely hear of this occurring and most employers act responsible and accept that a claim being made against them is not personal, that a claim is being made to simply seek compensation to help restore a physical recovery and to help reimburse any financial losses which may have been incurred.

How PHC Law can help?

If you have been injured during the course of your work, it would be advisable to seek the professional legal advice and guidance from a specialist accident at work solicitor. Although you have up to three years to make a claim, it is recommended that you seek advice as soon as possible after the event so that your solicitor can quickly obtain the necessary evidence to build a strong case.