Employers liability insurance in St Albans

St Albans blends Roman and medieval heritage tourism with an affluent professional and commuter economy and a busy retail and dining scene, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in St Albans much of the exposure sits in the kitchen and the office.

Where employers' liability claims come from in St Albans

The busy dining and hospitality trade brings burns, cuts, slips and the manual handling of a packed service. Professional-services and commuter firms carry the office display-screen and stress profile. Heritage-tourism staff add outdoor and events exposure, and retail its lifting claims. The employer answers for each.

A St Albans example

A chef in a busy St Albans restaurant suffers a deep knife wound to the hand during a pressured evening service in a cramped kitchen. Employers' liability covers the compensation and the legal defence — the cuts, burns and slip exposure that commercial kitchens carry every night they trade.

What employers' liability covers

Where a job injures the person doing it or makes them ill, employers' liability meets their compensation and the employer's legal costs, reaching people who have left and conditions that surface long after. Compulsory for nearly every employer since 1969, it runs to £5m by statute and £10m in the market, the certificate kept on show.

Placing it in St Albans with Apex

Apex, an FCA-authorised broker (reference 724952) trading since 2009, reaches more than 30 markets and Lloyd's by wholesale. A St Albans hospitality or professional employer gets kitchen and premises exposure rated by a named broker who takes a busy service seriously.

Related

• Public liability insurance St Albans
• Business insurance St Albans
• Employers liability for professional firms