Employers liability insurance in Thornbury

Thornbury is a South Gloucestershire market town north of Bristol — largely residential and commuter, with a historic core, a retail and services role and an agricultural hinterland — and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and around Thornbury the exposure runs from the high street to the rural yard.

Where employers' liability claims come from in Thornbury

Retail and services staff carry manual-handling, lifting and slip injury. Hospitality brings its kitchen and service claims, small businesses their on-site risk, and agriculture and its supply chain machinery, handling and delivery exposure. The employer answers for each.

A Thornbury example

A worker at a Thornbury agricultural-supplies business suffers a serious back injury manual-handling heavy feed and materials onto a delivery vehicle without mechanical aid. Employers' liability covers the compensation and the legal defence — the manual-handling exposure that rural supply and delivery work carries load after load.

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 since 1969, it runs to £5m by statute and £10m in the market, the certificate kept on show.

Placing it in Thornbury with Apex

Apex, authorised by the FCA (firm reference 724952) and broking since 2009, reaches over 30 markets, Lloyd's among them by wholesale. A Thornbury retail, hospitality or agricultural employer gets manual-handling and machinery exposure rated by a broker you can name.

Related

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