Employers liability insurance in Torquay

Torquay is the centre of the English Riviera — a resort economy of tourism, hospitality and conferences, with a substantial retirement and care sector — and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Torquay the exposure runs from the function room to the care home.

Where employers' liability claims come from in Torquay

Hotel, conference and hospitality staff carry burns, cuts, slips and the manual handling of banqueting and events. The large care and retirement sector brings moving-and-handling injury. Attractions add their own exposure, and retail its everyday claims. The employer answers for each.

A Torquay example

A banqueting worker at a Torquay conference hotel injures their back manhandling heavy staging and furniture to turn a function room around between events under time pressure. Employers' liability covers the compensation and the legal defence — the manual-handling exposure that conference and events hospitality concentrates into rapid turnarounds.

What employers' liability covers

Employers' liability answers for the compensation and defence costs when work injures a member of staff or makes them ill, reaching former employees and long-latency conditions alike. A legal requirement since 1969, it runs to £5m by law and £10m in the market, the certificate kept on show.

Placing it in Torquay 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 Torquay hospitality or care employer gets manual-handling and seasonal exposure rated by a broker you can name.

Related

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