Employers' liability will enable your business to meet the costs of any legal fees or damages awarded to an employee who is injured or suffers illness at the fault of the employer.
Useful information - Employers' liability
Your business is still liable even if it goes into liquidation or receivership so an employee can still pursue a claim against you at this stage.
It is possible for the NHS to claim the cost of treatment (including emergency attendance) when personal injury compensation is paid.
By Law, as an employer, you must have Employers' Liability insurance and be insured for at least £5 million and your insurance must cover all of your employees in England, Scotland, Wales and Northern Ireland.
The Health & Safety Executive (HSE) can fine your business up to £2500 for each day that you do not have the appropriate insurance in place.
We advise that you keep a complete record of your employers' liability insurance as it is possible for some illnesses to appear years after exposure to the cause and an employee can make a claim for this full period.
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