Personal Injury Claims: Why Rehabilitation is a Service to seek out from your Insurer
When there is an accident on business premises or on the road, parties injured through no fault of their own will usually receive a compensation payout. Financial support is essential for those injured.
Employer’s Liability Insurance: How Lack of Cover Could Cost you Dear
If you need to compensate an employee who has been injured whilst working for you, the sums of money involved could cripple your business. As an employer, you will almost always be held responsible, as you have a duty in law to take reasonable steps to ensure the safety of your staff. That’s why having adequate employer’s liability insurance is a vital necessity.
The Dangers of Working at Height
The Work at Height Regulations 2005 place various duties on employers and those who control works at height. We often talk about the importance of taking reasonable steps to comply with the health and safety regulations that apply to your business. It is important because if a member of staff or a contractor is injured and makes a claim against you, the insurers who provide your employers’ liability cover will be looking for evidence of your commitment to making every effort to avoid a dangerous situation arising.
Fence Down … Who Pays?
During gusts and gales – and we haven’t been short of them this year – one of the first things to bear the brunt is the humble garden fence. Take a look around after a storm and you’ll see plenty of them either floored or precariously propped up waiting for that final blast of wind to finish them off. If any of your fences have lost the battle and there’s a gaping hole where they once proudly stood protecting your property, you will no doubt be thinking about the cost of repair and whether you have insurance cover for it.
Failure to Control Workplace Noise can Prove Costly
The Control of Noise at Work Regulations 2005 call for employers to take steps to prevent or reduce health and safety risks due to workplace noise. If you employ staff in an industry where noisy power tools or machinery are used; where impact noise is apparent or where there are explosive sources, then you are required by law to conduct risk assessments and put measures in place to reduce or eliminate risks so that the hearing of your employees is protected. Insurers will expect you to take certain steps to reduce your risk of a claim.
Motor Legal Expenses Insurance: What Exactly are you Covered for?
In June 2013, a review of insurance policy add-ons was carried out by the Financial Conduct Authority (FCA). This review included motor legal expenses insurance (MLEI). Whilst MLEI is popular in take-up for motorists seeking cover for accidents caused by others, the FCA believed this cover was not properly understood. The FCA felt quite a gap existed between what MLEI actually covered and what consumers expected to get out of it, quoting ‘widespread confusion’. Here we explain what MLEI actually covers.