Employers’ liability insurance must be fit for purpose

Any business or individual who employs others has a legal obligation to have adequate employers’ liability insurance. Did you know that the price of not having this insurance could be a £2.5k fine for each day that are without liability insurance?

Of course, it’s not just about having cover but having the right cover for your business and this is even more important in the midst of a global pandemic which is throwing up even more scenarios where cover becomes increasingly important.

It is strongly advised that every employer contacts their insurance provider to review the policy details currently in place. Be sure to check any exclusions for bodily injury and get your insurer to explain exactly what is covered and what might not be. It may be that you don’t have complete cover and need to update your policy.

The current working conditions due to the pandemic mean that practices might not have been previously covered in a risk assessment. This could be working from home, site visits and the use of public transport, for example. For advice on employment matters, contact a Solicitor in Gloucester at a site like https://www.deeandgriffin.co.uk/

A business must always document risk assessments and insurance details, and this is even more pressing in the light of the current climate. Ensure all meetings, risk assessments and communications are logged and provided to your insurer, so all information is in a safe place. The last thing you want is to be dealing with the stress of locating all this information if a claim has been filed against you.