Employers liability insurance in Bath

Bath is a UNESCO World Heritage city whose economy turns on tourism and heritage, with two universities, a technology and creative sector and a professional-services base alongside, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Bath much of the exposure is the hospitality floor and the historic building itself.

Where employers' liability claims come from in Bath

Tourism and hospitality staff — across hotels, restaurants and the attractions of a compact historic centre — face burns, cuts, slips and the manual handling of service and housekeeping, often in listed buildings never designed for the work. The universities bring campus and estates risk, the creative firms the office profile, and retail its lifting claims. The employer answers for each.

A Bath example

A housekeeper at a Bath hotel falls on a worn, uneven historic staircase while carrying linen, and suffers a serious injury. Employers' liability covers the compensation and the legal defence — the premises exposure that beautiful but awkward heritage buildings put on the staff who work in them.

What employers' liability covers

If the job leaves an employee injured or unwell, employers' liability is the cover that pays their compensation and stands the cost of the defence — reaching people who have since left and illnesses that only declare themselves later. Compulsory since 1969, it is pitched at £5m by statute and £10m by the market, with the certificate kept on display.

Placing it in Bath with Apex

Apex holds FCA authorisation (reference 724952) and has placed commercial cover since 2009, with entry to more than 30 markets and to Lloyd's through wholesale. A Bath hotel or attraction gets the awkward-premises and seasonal exposures a standard scheme glosses over rated by a broker you can name.

Related

• Public liability insurance Bath
• Business insurance Bath
• Employers liability for professional firms