Employers liability insurance in Cardiff

Cardiff's workforce is weighted toward the people who serve its visitors and staff its studios, and employers' liability — cover for injury or illness caused to an employee by their work — follows them. Roughly one in five of the city's workers is in hospitality and distribution; a substantial television-production sector runs out of Cardiff Bay; and Principality Stadium event days send hospitality headcount and pressure sharply up.

Where employers' liability claims come from in Cardiff

Hospitality staff along St Mary Street and around the Bay face burns, cuts, slips and lifting injuries, sharpened on rugby and concert days when the crowds and the workload multiply. Television and media production is more physical than it appears — crews building and striking sets are hurt by manual handling, rigging and falling equipment. The finance and professional offices add the quieter display-screen and stress claims. The employer carries each, whatever the crowd outside.

A Cardiff example

A set carpenter striking a drama set at a Cardiff Bay studio is struck by a falling flat during a rushed get-out and suffers a head and shoulder injury. Employers' liability covers the compensation and the legal defence — the manual-handling and struck-by exposure that makes production one of the trickier payrolls to rate.

What employers' liability covers

The policy meets an employer's liability for work that injures or sickens staff, and the cost of the defence, extending to former employees and to conditions that emerge long after. It has been mandatory under the Employers' Liability (Compulsory Insurance) Act 1969 for almost all employers; the law requires £5m, the market expects £10m, and the certificate must be produced on inspection.

Placing it in Cardiff with Apex

Apex is FCA-authorised (firm reference 724952), established 2009, with access to 30-plus markets including Lloyd's through wholesale. A Cardiff employer running kitchens, front-of-house and event-day surge staff gets one named broker rating the whole payroll, not a policy pitched at a quiet week.

Related

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