UK Employers Liability Insurance provides cover for an insured’s legal liability for injury arising out of the insured’s actions or failures to act where a duty of care is owed.

If an employee suffers death, disease, illness or injury as a result of an employer’s negligence, the employee (or if deceased, their legal representative) may look to bring a claim against their employer. However, they would need to prove their employer breached that duty of care and that in turn led to said injury, disease or illness. For example, an employer failing to undertake adequate risk assessments or to provide adequate Personal Protective Equipment (PPE).

If a legal liability were to be established, Employers Liability Insurance in the UK responds in accordance with the terms, conditions and exceptions of the particular policy.

Adherence to the Site Operating Procedures and ensuring task-related Risk Assessment and Method Statements (RAMS) are modified to manage social distancing in line with these procedures will help companies to protect their employees and demonstrate to their insurer that they have a considered approach to managing the risks associated with the pandemic.

COBRA Insurance Brokers Ltd are authorised and regulated by the Financial Conduct Authority. Reference Number 307980. COBRA Insurance Brokers Limited is registered as a company in England and Wales No 03233679. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, England, DN22 7SW.