If your scaffolding or Contracting firm has employees, it is a legal requirement that you purchase Employers Liability Insurance, which provides compensation to workers should they suffer an injury at work for which you are legally liable.
Failure to purchase the minimum level of cover required under the Employers’ Liability (Compulsory Insurance) Act 1969, which is currently £5,000,000, can lead to investigation and prosecution by the Health and Safety Executive (HSE).
Scaffolding Firm in Court
A scaffolding firm has been fined after it ignored repeated requests to prove it held insurance for employees working on the Fylde Coast.
In October 2013 the HSE received a complaint concerning scaffolding erected by Abacus Scaffolding North West Ltd at a site in Thornton Cleveleys.
After a trial at Blackpool Magistrates’ Court on 8th October 2014, the firm was fined £1,000 and ordered to pay £2,035 in costs after being found guilty of breach of the Employers Liability (Compulsory Insurance) Act 1969.
Falls From Height Major Cause of Workplace Deaths
Speaking after the hearing, HSE Inspector Allen Shute said:
“Falls from height are responsible for around a third of all workplace deaths every year, so the risks to Abacus’s employees were real.
“The company failed to prove it held Employers’ Liability Insurance so that if the worst did happen, then workers would have been able to claim compensation to try and overcome their injuries.
“HSE made repeated requests, but the company still failed to provide proof that it held insurance, despite it being a legal requirement. We were therefore left with no choice but to prosecute.”
How do I arrange Liability Insurance?
While it is possible to purchase Employers Liability in isolation, for small to medium-sized businesses, it is standard practice to buy cover as part of a Scaffolding Insurance package or Combined Liability contract.
Cover is relatively straightforward to arrange and is usually based on either your number of employees or annual wage roll.
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