Employers liability insurance in Tunbridge Wells

Royal Tunbridge Wells is an affluent Kent spa town with a strong professional and financial-services base, a heritage-tourism trade around the Pantiles and an affluent 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 Tunbridge Wells the exposure runs across offices, kitchens and the premises that serve them.

Where employers' liability claims come from in Tunbridge Wells

Professional and financial employers carry the office display-screen, stress and slip profile. Hospitality staff around the Pantiles face burns, cuts and lifting injury. And the cleaning and facilities contractors who service these premises carry their own slip, chemical and manual-handling exposure. The employer answers for each.

A Tunbridge Wells example

A contract cleaner working in a Tunbridge Wells office building slips on a floor they had just mopped, without adequate signage or footwear, and is injured. Employers' liability covers the compensation and the legal defence — the slip and chemical exposure that contract cleaning carries in premises built for other work.

What employers' liability covers

Employers' liability meets the compensation and the legal costs when work injures a member of staff or makes them ill, and it keeps answering for former employees and for conditions that emerge years later. It has been compulsory since 1969 — £5m the legal minimum, £10m the market standard, the certificate kept for inspection.

Placing it in Tunbridge Wells with Apex

Apex is authorised by the FCA (firm reference 724952) and has broked since 2009, reaching over 30 markets and Lloyd's through wholesale. A Tunbridge Wells professional, hospitality or facilities employer gets the real exposures of its workforce rated by a named broker, not a flat scheme.

Related

• Public liability insurance Tunbridge Wells
• Business insurance Tunbridge Wells
• Employers liability for professional firms