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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1966 - A Year of Change

Unipower 1966 (Photo credit: Wikipedia)

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It wasn’t until 1966 that drivers became subject to the laws of drink driving. With the introduction of the new Road Safety Bill at the start of the year, vehicle owners were capped from driving if there was 80mg of alcohol in 100cc of their blood. This was calculated through a urine test. The enforcement was part of the government's wider campaign to remind people to take more care on the roads and be mindful of the safety of nearby pedestrians. It took another year for the breathalyser test to come into force giving police the means to discern data from a suspect there and then at the roadside. The imitative helped decrease the percentage of road traffic accidents where alcohol had been a factor from 25% to 15% in the first year. There were 1,152 fewer recorded deaths, 11,177 fewer serious injuries and 28,130 fewer slight injuries caused by road traffic accidents.

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