Employers liability insurance in Canterbury

Canterbury is a cathedral city and World Heritage destination, its economy built on heritage tourism, three universities and a large student population, agriculture in the Kent hinterland, and a busy retail core — and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Canterbury the exposure is mostly the visitor trade and the campus.

Where employers' liability claims come from in Canterbury

Tourism and hospitality staff face burns, cuts, slips and the manual handling of service in a compact, heavily visited centre. The three universities carry campus, estates and lab exposure across large workforces. The agricultural and food sector adds machinery and processing risk, and the retail core its lifting and slip claims. The employer answers for each.

A Canterbury example

A bar worker in Canterbury's busy student quarter suffers a deep cut from broken glass while clearing tables at a crowded closing time. Employers' liability covers the compensation and the legal defence — the cuts, slips and late-shift exposure that a student-city hospitality trade carries night after night.

What employers' liability covers

This is the cover that responds when work injures a member of staff or makes them ill — paying their compensation and the legal defence, and continuing to answer for former employees and for conditions that take years to appear. Mandatory for almost every employer since 1969, it runs to £5m in law and £10m in the market, certificate kept for inspection.

Placing it in Canterbury with Apex

A firm authorised by the FCA (reference 724952) and broking since 2009, Apex can reach past 30 markets and into Lloyd's through wholesale. A Canterbury hospitality or university employer gets its campus, kitchen and late-shift exposure rated by a broker you deal with by name.

Related

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