The Association of British Insurers (ABI) has published a guide on employers’ liability (EL) insurance.
The aim of the guide is to provide clarity for small and medium-sized businesses on what they do and don’t need to do when obtaining EL cover. The guide explains the difference between employers’ liability and public liability insurance and includes a simple-to-follow table designed to address some common concerns around adherence to health and safety requirements.
Otto Thoresen, ABI director-general, said: “Over-zealous interpretation of regulations risks bringing the entire health and safety system into disrepute. Insurers are determined to help businesses understand health and safety rules and what insurers require.
“Our guidance for small and medium-sized enterprises is part of our ongoing commitment to help firms understand what is, and what is not, required of them.”
The ABI guide was produced after consultation with organisations that represent SMEs, including the Federation of Small Business and British Chamber of Commerce, along with assistance from the HSE and the Department for Work and Pensions.
Employment minister Mark Hoban said: “Too often in the past, businesses have been confused about what they are required to do in order to meet health and safety requirements. That confusion wastes time and money, and creates an unnecessary burden, which could act as a barrier to growth and success.
“This Government is committed to debunking health and safety myths and slashing burdensome rules — making requirements clear and easy to understand.”
The guide is available to download at http://bit.ly/12YPXZD
Useless However!