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Employers’ liability insurance

Covers the insured’s legal liability for bodily injury or disease to employees if caused during the period of insurance. The policy also covers the insured’s own costs and pays for solicitors’ representation at inquests and courts of summary jurisdiction. Cover does not apply to injury or disease caused outside the UK except for UK-based employees. Policy extensions relate to principal’s clause, unsatisfied court judgements and, less frequently, retrospective cover. The normal limit of indemnity is £10 million for any one occurrence. See EMPLOYERS’ LIABILITY (COMPULSORY INSURANCE) ACT 1969.

Employers’ Non-Ownership

This endorsement provides coverage for the insured when an employee occasionally drives his or her personal vehicle on company business. For example, if an insured sends an employee to the post office in the employee’s car and the employee has an accident in which he or she is at fault, the non-owned coverage pays on behalf of the employer. The employee’s personal auto insurance will likely deny coverage since the accident took place in the course of business.There is no coverage under this endorsement for the employee, however. That is, the business is protected against the employee’s negligent acts regarding the use of the automobile, but the employee is not. This can be remedied by adding an endorsement that adds employees as insureds under the business’ automobile policy.

Employers’ Liability

An employer is liable under law towards the employees to pay compensation in respect of injury or disease arising out of and in the course of employment. The employers’ legal liability for “employment” accidents may arise due to (a) Personal negligence of the employer, (b) The employer’s negligence in failure to use reasonable care and skill in the provision and maintenance of suitable an safe plant, safe place to work and safe system of work, (c) Breach of statutory regulations in regard to the safety of employees e.g., Factories Act, (d) Personal negligence of fellow employees, (e) Negligence of employees in the performance of their employment duties. As against the employer the employee is in a relatively weak position and it would be most difficult for him to successfully prove negligence on the part of the employer and claim compensation. As such, the Workmen’s Compensation Act was brought into existence which is now named Employee’s Compensation Insurance. See Also: “Employee’s Compensation Insurance .”

EMPLOYMENT PRACTICES LIABILITY

Employment Practices Liability Insurance provides protection for an employer against claims made by employees, former employees, or potential employees. It covers your firm, including its Directors and Officers. Examples of claims covered include:Sexual harassment Discrimination in hiring and promotion Wrong termination • Failure to promote and negligent evaluation Wrongful discipline Mismanagement of employee benefit plans Directors and officers are covered under the Employment Practices Liability policy that may also be added by endorsement to the firm’s Directors and Officers Liability coverage. (See ectors and Officers Liability).