Why You Need Employer Liability Insurance

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When an employee has the misfortune to succumb to illness or injury, even the most cautious of employers can be sued for damages under their employer’s liability insurance.

This form of insurance is designed to protect both employees and employers and is a legal requirement under UK law. The cover protects policyholders against meeting the cost of legal fees and compensation following claims made against an organisation.

£5m of employer’s liability cover is the minimum legal requirement for most businesses with employees and claims are made against businesses when accident or illness is deemed to be, fully or partly, the fault of the employer. Your employer’s liability can be triggered by something as simple as a slippery floor without adequate signage.

As such, employer’s liability insurance is a must for any business.

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Kerry's Bid to Water-Down the Law

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Councillors in Ireland ‘s county Kerry are supporting a plan to relax the laws on drink driving for its isolated residents.

Councillor Danny Healy-Rae, who proposed the motion, said it would only apply to older people who are often home alone and falling into a state of depression. He believes current legislation is trapping the elderly in their own homes unable to go out and socialise due to the remote areas in which they live.

If successful the scheme would allow police to issue permits overriding the legal limit.

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However the move was condemned by the mayor of Kerry, who called it a dangerous proposition. “I don't know how anybody can be allowed to say, you've had two pints, so you're justified to drive.”

Conor Cullen of Alcohol Action Ireland told reporters at the BBC that almost one in three crash deaths in the country is alcohol-related. “Even in small amounts, alcohol impairs driving ability - any amount of alcohol increases the risk of involvement in a fatal crash. Those in rural areas who may be suffering from isolation will not benefit from putting their lives and the lives of the other members of their community at risk by drinking and driving.”

Drivers in Ireland are currently limited to a maximum of 20mg of alcohol per 100ml of blood. The UK’s however limits its road users to 80mg of alcohol per 100ml of blood.

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