Employers Liability Insurance

In many countries, when a business employs staff it is legally obliged to take out employers liability insurance. This type of insurance covers the employer for any claims employees make against the business regarding injury they receive while working under direction of the business. A typical example would be a warehouse employee going about their normal duties being injured by another employee such as a fork lift truck driver who accidentally drops a packing crate.

Such claims can be expensive. This kind of liability may also extend to people such as contractors working on a businesses premises under the directions of the business using tools and materials provided by the business, even though the people involved were not directly employed by the business.

What to do if you need more help

If you need more help with your specific commercial loan, mortgage or insurance requirement please speak to a professional financial adviser.

We hope you found this information useful.

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