WHAT IS EMPLOYERS LIABILITY INSURANCE AND HOW YOU

WHAT IS EMPLOYER’S LIABILITY INSURANCE AND HOW YOU CAN CLAIM COMPENSATION FOR ACCIDENTS AT WORK? Mateusz Gajewski Kierunek: Prawo Wydział prawa i administracji III rok

What is employer’s liability insurance? � � � - Compensation for employees for their injuries at work or illnes caused by work - Protection for employers. Ensures that employer have at least a minimum level of insurance cover against claims - Liability insurance is compulsory

Accidents at work An estimated 629 000 workers in UK had an accident at work in 2014 Of these injuries: � 203 000 led to over 3 days absence from work; of which � 148 000 led to over 7 days absence (LFS). � 133 workers lost their lives. The rate of fatal injury was 0. 44 deaths per 100 000 workers. �

Barrister or Solicitor? Which of them can help us after an accident at work? Solicitor -When people talk about going to see their lawyer, it is usually a solicitor that they will contact. -solicitors advise clients, undertake negotiations and draft legal documents -They have specialist knowledge of different areas of the law such as family, crime, finance, property and employment. Barrister -Barristers do not come into contact with the public as much as solicitors. They are given details of a case by a solicitor -They work at higher levels of court than solicitors and their main role is to act as advocates in legal hearings

Solicitor can help you! � - Client interview: Evidences CCTV recordings Witnesses Details of damage How you can prove that you are a victim

No win - no fee? � � � No-win, no-fee arrangements sometimes called Conditional Fee Arrangements - remove the risk from making a legal claim. These arrangements are socalled because solicitors legal fees from the claimant are conditional upon success. In this context, no-win, no-fee literally means that, if a legal claim is unsuccessful, the claimant will not have to pay their solicitor’s fees.

� � � availabale to fill on governmental website Solicitor sends the CNF to insurer has got 3 months to respond CNF

Insurer denial of liability solicitor make replies to convince insurer � proving employer's guilt, evidences such as: -CCTV recordings -pictures -witness questionaries �

� � Insurer may propose some amount of money as a sign of good will Solicitor sends to his client schedule of loses Solicitor negotiate amount of compensation Employee recieving compensation

What about solicitor`s reward? � Solicitor gets about 10 to 20 percent of money you recieved. Or demands a payment directly form insurer.

Vocabulary � � � � Claim- żądanie Liability - odpowiedzialność prawna Negliegence – zaniedbanie Solicitor – radca prawny Barrister – adwokat Insurer – ubezpieczyciel Notification of damage – zgłoszenie szkody CCTV – monitoring Fee – opłata Aforementioned – wyżej wymieniony Claim Notification Form - formularz zgłoszenia szkody Witness questionaries – formularze przesłuchania świadka Admission – przyjęcie

� � � All pictures used in presentation are downloaded on Creative Commons rights https: //www. justice. gov. uk http: //www. lawsociety. org. uk/ http: //www. barcouncil. org. uk/ http: //www. brightknowledge. org/ http: //www. hse. gov. uk/