Employers liability insurance in Reading

Reading sits at the centre of the Thames Valley technology corridor — IT, software and telecoms, much of it international — with a strong professional-services and insurance base and a large retail core, and employers' liability follows that office-heavy workforce. EL answers when an employee is injured or made ill by their work, and in Reading the exposure is mostly the office and the premises around it.

Where employers' liability claims come from in Reading

The technology, telecoms and professional-services employers run large office and campus estates where the everyday EL claim is a display-screen or posture injury, stress absence, or a slip, trip or fall on the premises. Constant fit-outs and events add contractor and manual-handling risk. The retail core brings lifting and slip injury among staff. The employer answers for each.

A Reading example

An employee at a Reading technology campus falls on a poorly lit office stairwell and fractures a wrist, off work for weeks. Employers' liability covers the compensation and the legal defence — the premises exposure that even a low-risk office carries when maintenance and lighting slip.

What employers' liability covers

The cover meets an employer's legal liability for injury or illness that work causes to staff, and the cost of the defence, reaching former employees and conditions that develop gradually. It has been compulsory under the 1969 Act for almost every employer; £5m is the statutory minimum, £10m the market standard, and the certificate must be produced on inspection.

Placing it in Reading with Apex

Apex is FCA-authorised (FRN 724952), established 2009, with access to 30-plus markets including Lloyd's through wholesale. A Reading office employer gets a named broker who rates the real exposure of a large workforce, rather than assuming an office risk needs no thought.

Related

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