Employers liability insurance in Ludlow

Ludlow is a Shropshire market town renowned for its food and gastronomy — a centre of festivals, independent food businesses and hospitality — set around a medieval castle, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Ludlow the sharper claims come off the kitchen and the festival marquee.

Where employers' liability claims come from in Ludlow

Food, drink and hospitality staff carry burns, cuts, slips and manual handling, sharpened when the festivals draw crowds and temporary kitchens run at pace. Heritage-tourism venues bring their footfall, and independent retail its lifting claims. The employer answers for each.

A Ludlow example

A catering worker at a Ludlow food festival is scalded working a temporary marquee kitchen at volume, where equipment is crammed and pace is high. Employers' liability covers the compensation and the legal defence — the burn and pop-up-kitchen exposure that food events concentrate into a few intense days.

What employers' liability covers

Should the job injure a worker or leave them ill, employers' liability meets the compensation and the employer's defence costs, and it reaches former staff and conditions that surface long after. A legal duty since 1969, it is pitched at £5m by statute and £10m by the market, the certificate produced on inspection.

Placing it in Ludlow with Apex

Apex (FCA firm reference 724952) has broked commercial insurance since 2009 and works across 30-plus markets, Lloyd's among them by wholesale. A Ludlow food, festival or hospitality employer gets seasonal and pop-up exposure rated by a named broker who understands it.

Related

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