The obligation for every employer to insure against bodily injury, illness or disease to any employee arising out of and in the course of their employment is imposed by the Employers' Liability (Compulsory Insurance) Act 1969.
An employer can be liable in the following ways;
The Policy must provide an indemnity limit of at least £5m but in practice most Insurers provide for an indemnity limit of £10,000,000.
A Certificate of Employers' Liability Insurance is produced by your Insurers and should be diaplayed in a prominent position within your premises as required by this Act.
Interesting points of note.......
When an employee travels in a Motor Vehicle and sustains injury, this would be dealt with by the Motor Insurers and not the Employers' Liability Insurers (Motor Vehicles (Compulsory Insurance) Regulations 1992).
Certain relatives of the Employer are excluded from these regulations including husband, wife, father, mother, grandparents, sons, daughters , brothers and sisters. However, this does not apply to Limited companies.