Employers liability insurance in Falmouth

Falmouth has one of the world's great natural harbours, a major ship-repair and marine-engineering industry, a maritime and tourism trade, and a university strong in art and design, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Falmouth the heavier claims come off the dry dock.

Where employers' liability claims come from in Falmouth

Ship-repair and marine-engineering work carries the sharpest exposure — working at height on hulls, in confined spaces, and around heavy plant and machinery. Tourism and hospitality staff face seasonal claims, the university adds campus risk, and retail its everyday lifting and slip injury. The employer answers for each.

A Falmouth example

A ship-repair worker is injured in a fall while working at height on a vessel in dry dock, where access and fall protection had not been properly provided. Employers' liability covers the compensation and the legal defence — the working-at-height exposure that ship repair carries as one of its everyday hazards.

What employers' liability covers

Employers' liability meets the compensation and the legal costs when work injures an employee or makes them ill, reaching those who have left and illness that appears years later. It has been compulsory since 1969 — £5m the legal floor, £10m the working standard, the certificate kept for inspection.

Placing it in Falmouth with Apex

Apex is authorised and regulated by the FCA (firm reference 724952) and has broked since 2009, reaching more than 30 markets and Lloyd's by wholesale. A Falmouth ship-repair or marine employer gets at-height and confined-space exposure rated by a named broker who understands the risk.

Related

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