Employers liability insurance in Chard
Chard is a Somerset market town with a notable manufacturing and engineering base, an agricultural hinterland and a retail role, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Chard the serious claims come off the factory floor.
Where employers' liability claims come from in Chard
Manufacturing and engineering firms carry machinery, manual-handling, vibration and noise exposure. Agriculture and food bring processing and handling risk, and the retail core its everyday claims. The employer answers for each.
A Chard example
A machine operator at a Chard manufacturer suffers a serious hand injury when reaching into a machine to clear a jam that had not been fully stopped and isolated. Employers' liability covers the compensation and the legal defence — the machinery exposure that production carries whenever a stoppage is cleared in a hurry.
What employers' liability covers
Employers' liability is the cover that responds when a job injures the person doing it or makes them ill — meeting the compensation and the legal defence, and answering for former employees and conditions that surface long after. Compulsory since 1969, it carries a £5m legal minimum and a £10m market standard, the certificate kept on show.
Placing it in Chard with Apex
Apex is FCA-authorised (firm reference 724952) and has broked commercial cover since 2009, reaching over 30 markets and Lloyd's by wholesale. A Chard manufacturing or engineering employer gets machinery and manual-handling exposure rated by a named broker who knows the trade.
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Get the right commercial cover, placed by a named broker
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