Chapter 6 - Liability Insurance

Question 1

what major form of liability cover is compulsory?

Answer 1

employers liability

Question 2

what must employers display in the workplace?

Answer 2

employers liability certificate

Question 3

can employers have a digital copy of EL Certs for employees?

Answer 3

yes aslong as they have reasonable access to it

Question 4

what is the minimum amount for employers liability?

Answer 4

10 million

Question 5

what is the ELTO?

Answer 5

employers liability trading office

Question 6

what is an ERN?

Answer 6

employer reference number

Question 7

what does employers liability cover?

Answer 7

indemnity to the insured for damages in respect of bodily injury or death, disease and illness sustained under the contract of employment

Question 7

what is vicarious liability?

Answer 7

employers are liable for the wrongful actions of their employees if it took place in employment

Question 8

what is the definition of an employee?

Answer 8

any person under contract of service or apprenticeship

Question 9

why is it important to display a full and accurate business description?

Answer 9

to avoid claims that arise from work carried out that does not fit the business description