Employers liability insurance in Bedford

Bedford has an engineering and manufacturing base, with aerospace and research activity in its hinterland, alongside logistics and an agricultural economy, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Bedford the serious claims come off the workshop and the warehouse.

Where employers' liability claims come from in Bedford

Engineering and manufacturing firms carry machinery, manual-handling, vibration and noise exposure. The aerospace and research activity adds specialist materials and test risk. Logistics operators bring forklift and lifting exposure, and the agricultural sector machinery and processing risk. The employer answers for each.

A Bedford example

A worker at a Bedford engineering firm suffers a serious hand injury when a component being machined breaks free and strikes them. Employers' liability covers the compensation and the legal defence — the machining and workpiece exposure that engineering work carries day to day.

What employers' liability covers

Employers' liability is the cover that meets an employer's liability to a worker injured or made ill by the job — the compensation and the legal costs — and it extends to people who have left and to disease that surfaces long afterwards. Compulsory since the 1969 Act, it runs to £5m by law and £10m by market practice, certificate on display.

Placing it in Bedford with Apex

Apex is authorised by the FCA (firm reference 724952) and has broked commercial cover since 2009, reaching beyond 30 markets, Lloyd's included through wholesale. A Bedford engineering or logistics employer gets machinery and manual-handling exposure placed by a broker who answers by name.

Related

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