Employers liability insurance in Perth

Perth — the gateway to the Highlands — hosts a major energy company's headquarters alongside financial services, a substantial agriculture and food economy, and a tourism and retail role, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and around Perth the exposure runs from the office estate to the farmyard.

Where employers' liability claims come from in Perth

The large energy and financial employers carry the office profile — display-screen strain, stress and premises slips across sizeable headcounts. The agriculture and food sector brings machinery, livestock and manual-handling exposure. Tourism adds seasonal hospitality claims, and retail its lifting injuries. The employer answers for each.

A Perth example

A farm worker near Perth is caught by an unguarded power take-off shaft while operating agricultural machinery, and suffers a severe injury. Employers' liability covers the compensation and the legal defence — the machinery-entanglement exposure that agricultural work carries and that a moment's contact can make catastrophic.

What employers' liability covers

When work injures an employee or makes them ill, employers' liability pays what the business owes them and the cost of the defence, and it does so for former staff and for slow-developing disease as much as for a sudden accident. A legal requirement since 1969, it runs to £5m by law and £10m in practice, the certificate available for inspection.

Placing it in Perth with Apex

Authorised by the FCA under firm reference 724952 and broking since 2009, Apex reaches beyond 30 markets, Lloyd's among them by wholesale. A Perth agricultural or office employer gets machinery and large-headcount exposure alike rated by a named, accountable broker.

Related

• Public liability insurance Perth
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