Employers liability insurance in Wells-next-the-Sea

Wells-next-the-Sea is a north Norfolk coastal town with a working harbour, a fishing trade and a seasonal tourism economy on a popular stretch of coast, and employers' liability follows that workforce. EL answers when an employee is injured or made ill by their work, and in Wells-next-the-Sea the sharper claims come off the quay.

Where employers' liability claims come from in Wells-next-the-Sea

Harbour and fishing operators carry manual-handling, plant and slip exposure handling boats, gear and cargo on the quay. Seasonal tourism and hospitality staff face burns, cuts and lifting injury, and independent retail its everyday claims. The employer answers for each.

A Wells-next-the-Sea example

A harbour worker is injured manual-handling heavy fishing gear on a busy, wet quay during the season, straining a back already worked hard. Employers' liability covers the compensation and the legal defence — the manual-handling and slip exposure that working a busy harbour carries through the summer.

What employers' liability covers

If the work injures one of your people, or makes them ill, employers' liability meets what you owe them and defends the claim — and it keeps doing so for past employees and for disease that surfaces late. Compulsory on employers since 1969: £5m least by law, £10m by the market, certificate to show.

Placing it in Wells-next-the-Sea with Apex

Apex is an FCA-authorised broker (724952) that has traded since 2009 and reaches over 30 markets, Lloyd's via wholesale. A Wells-next-the-Sea harbour or café employer gets seasonal and manual-handling exposure rated by a named broker.

Related

• Public liability insurance Wells-next-the-Sea
• Business insurance Wells-next-the-Sea
• Employers liability for professional firms