What Employer Public Liability Insurance Covers
It is important to understand what instances and circumstances are covered in an employer public liability insurance policy. This is mandatory insurance that all business owners with employees must have. All managing directors of a limited company are also required by law to have this coverage. This insurance is needed so that should an employee suffer from a physical injury or death and it is determined that the employer acted negligently, all compensation and costs will be covered by the insurer. Bear in mind, this does not cover all circumstances where an employee may pursue you for damages. In the case of wrongful dismissal or sexual discrimination/harassment, employers liability insurance will not apply.