Lycetts helps employers to put the right cover arrangements in place and reduce exposure to risk.

Any business employing a person or persons is legally obliged to take out at least £5m of employers liability insurance, which provides cover for claims made by employees for illness or injury incurred at work.

With government fines of up to £2,500 per day for employers without policies, it is well worth arranging the right level of cover early to avoid penalties.

How to claim employers liability insurance.

It is a condition of all insurance policies that incidents that may result in claims are reported to insurers without delay. If such incidents are not reported within an acceptable timescale (usually 30 days from the time of the incident), your insurers may refuse to indemnify you.

In the event of a claim in relation to a commercial business policy, you should contact your Lycetts account executive/handler as soon as possible. When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person. For further detailed information relating to claims concerning injury to employees or third parties, damage to third party property, loss or damage to own property, personal accident and sickness or motor accidents, please click here.

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Stephen Lewis

Surrey

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