Employers Are Responsible For The Safety And Wellbeing Of Those That Work For Them

1. Employers Are Responsible For The Safety And Wellbeing Of Those That Work For Them Business owners are often responsible for the safety and comfort of those they employ, especially when these employees may be exposed to several situations that can lead to injury, loss and even death or accidental death. It also refers to these employees’ dealings with the public or other companies where that applies. The business owner is responsible in many different instances for those in his employ. Therefore, companies that employ people should look at Employer’s Liability Insurance. A short definition of this type of insurance shows that it refers to the type of cover a business owner enjoys when he/she/they become liable for claims and damages suffered by employees after any accident during their working day. These accidents happen all the time, and almost anywhere. Businesses that offer construction services are liable for injury and trauma to their employees while they are on duty. Think of the bricklayer that may get hurt, the painter that falls off a ladder and gets injured, or the tiler that slips on a floor and breaks an ankle. All of these tradespeople may have a claim against their employer if they get injured and need medical attention due to an accident at work. Such injuries come with serious consequences for a business owner, as they become responsible for several claims to include different categories ranging from bodily harm and injury to doctor’s fees and hospitalisation, time out because they cannot work, and various other claims they may have such as personal trauma, depression and a host of other ailments that they may suffer as a result of the accident while working for you. This can make life difficult for a business owner, and in some cases, it may lead to serious problems such as huge financial difficulty and loss. This can be avoided with good insurance cover. The insured business will not pay out huge amounts to the injured or hurt employee – the policy does. Of course, there are different forms and levels of cover to be taken out, and any business owner would be well advised to take out a good Employer’s Liability cover to ensure they only ever have to pay the absolute minimum excess where that applies. This means talking to a good insurer with a history of success behind them in terms of which they offer policies to businesses to derive maximum benefit in case of insurance claims from employees. Good insurance companies will study your profile and offer you the type of business insurance to ensure

2. you and the employees are covered when accidents happen and injury to their causes one or more claims to be considered. Companies and businesses that employ even one person, should seriously consider this type of insurance since even one claim can run into many thousands of pounds and more. It is not important what business you run, the moment you employ one or more permanent – even temporary – employees or contractors, you will be responsible for them in terms of their safety and to make sure no harm comes to them while on duty. Therefore, companies take out Employer’s Liability insurance whether they run a business that includes manual labour or any other business where anything can happen to cause injury to employees. Even if an employee trips on a carpet, or slips and hurts themselves, the business becomes liable for claims directed at them. There are many good insurance products out there to offer the business owner the security and peace of mind they need against such claims, and often at reasonable payment options too – either per annum or per month. About Us: At Tradesman Saver we are proud of the successes we have achieved over almost four decades as top insurers for trade and trade-specific businesses. We aim to ensure that tradesmen and the businesses they work in and represent, enjoy the insurance cover that offers them the protection required in their specific industry. As one of the first exclusive online insurers of various trade industries, we have a history of being able to assist clients from various trade backgrounds, giving them the assurance, their insurance cover is provided by Covea Insurance, a large group with years’ experience in our industry. We are always ready to assist and offer clients our year's knowledge and expert opinion about their insurance needs. For more about us, please visit https://www.tradesmansaver.co.uk/.