Workers' compensation insurance

 

As an employer you are responsible for the health and safety of your employees. If they suffer an accident in the workplace e.g. due to improper training or slips and trips due to a lack of warning signs then you may have to pay out large sums of money in compensation.

Employees may be entitled to compensation either as a statutory claim or one arrived at through common law. Employers seek to protect themselves from such claims by entering into specific insurance policies, such as workers’ compensation insurance - a form of insurance that pays out specifically for medical care for employees who are injured in the course of employment. In most cases this will be paid out in exchange for the employee aborting their rights to sue the employer in a court of law.

As with most insurance policies the cover varies depending on the type of cover taken out, the company used and the amount of premium paid.

Workers’ compensation insurance cover normally includes weekly payments in place of wages, compensation for past and future economic loss, reimbursement or payment of medical expenses and benefits payable to the dependents of workers killed during employment. It is the duty of the employer to ensure that they do not do anything to invalidate the workers’ compensation insurance policy because if they do then the insurance companies will not pay out. In this instance the employer may be left footing the employee’s compensation bill, either before or after litigation.

If you would like to obtain legal advice on workers’ compensation insurance then Contact Law can put you in touch with a local employment / workers compensation solicitor or legal insurance provider free of charge. So, if you have any questions or would like our help in finding employment / workers compensation solicitors please call us at 0800 1777 162 or complete our web-form.

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