Some people won’t claim after an accident because they think their employer must pay the compensation themselves. In most cases, the employer will not have to pay the compensation.

By law, as soon as a business takes on employees, it must get Employer’s Liability(EL) insurance. The insurance cover must be for at least £5 million and from an authorised insurer.

The reasoning behind this requirement for insurance is set out on the Gov.UK website as follows:

“Employers Liability insurance will help you (employer) pay compensation if an employee is injured or becomes ill because of the work they do for you.”

Employers can be fined £2500 every day they are not adequately insured.

If you successfully claim personal injury compensation against your employer following an accident at work, the insurers will pay the compensation, not your employer.