Every employer has legal responsibility towards the employees, customers and the public at large. The employer shall be held legally responsible and can be sued if any employee or a member of the public is injured due to negligence or breach of duty by the employer. The employer may also have to pay the treatment costs including the ambulance charges. If an employer is at fault, it is the Liability Insurance that shells out the money. While employing anyone, the employer usually has an employer’s liability compulsory insurance (ELCI).
Through ELCI, the employers in UK insure their liability to their employees for any physical injury or ailment during the course of their employment in the UK. On the one hand, it provides the firms with greater security against expenses that could be a great financial burden upon the company and on the other hand it gives assurance to the employees that they will receive their claims even if their employer becomes insolvency.
