Small Business Newsletter
Sign up for our free email newsletter
Question
I had an accident at work and I am the employer, insurer says policy wont cover me?
one of my employees ran over my foot on the premises and broke my leg, I have employers and public liability insurance, can I make a claim? I thought public liability covered third parties, company is sole trader, not limited. Please can someone advise? thanks
2 months ago - 4 answers
Best Answer
Chosen by Asker
oouch! UK law I'd see a solicitor. A way out may be to sue your employee who in acting in his employment possibly caused the accident. The employee will be covered by the insurance, but see the solicitor iirst and get him to outline the problems that such a move will cause between you and your employee, who should in any event be covered 100% by the inssurer. However, I can not stress the importance of a good solicitor and you taking the insurance policy when you se him. The matter will not be clear cut. A mention of the "Himalaya" case which was a shipping/insurance one may well help to concentrate his mind . Don't worry about it being shipping the principal behind it is I think the same.
by Scouse
2 months ago
Asker's Rating: 
Other Answers
Give me a job plz =)
by Sexy Paul- 2 months ago
That is certainly how it works in the US; my guys are covered but I'm not. Sorry to hear about your leg.
by Rocketman- 2 months ago
They probably don't want to cover you being that you own it. I would attempt it though, all they can do is tell you no. Other wise it may be painful but you may have to work on your broken leg. Sorry but how else are you going to pay for those medical bills. I am truly sorry about your leg, and maybe next time you should look into getting Aflac insurance instead. they cover everyone, and pay for everything.
by cstarr0605- 2 months ago