Posted By safety medic Rachel, regarding 'bogus' claims, we get many in the construction industry, mainly when nearing the end of a job and the redundancies are rife, the claims start rolling in! We prevent it by insisting that all first aid cases or otherwise are reported straight away, not the following day. If they are reported the following day then on the accident form or investigation is an explanation of why it was reported late. This helps to prevent the bogus ones in the main. I have always told those reporting accidents late that we cannot prove it was done at work, even with witness statements. Collusion must be considered. An interesting point on 'discretionary payments' Project Managers wife works with stately homes and the like. When she took up post, took the stance that all accident claims were to be challenged and no out of court settlements to be made. Within one year she had saved the company 10's of thousands. When the fear of taking the stand and being questionned sets in the bogus ones will back down. Those with genuine claims will succeed, mostly.

Posted By Jack I don't really understand your response CFT. The compulsory EL insurance required by most employers is about employers insuring against their LIABILITY (including vicarious liability, of course). It doesn't cover situations where the injury does result from negigence etc. Employers may (but do not have to) have insurance covering any injury at work (often a specific sum for specified injuries eg loss of a hand). For details of that you should check the policy.

Posted By Bob Shillabeer Employer's liability insurance is not a health and safety requirement. This is covered through statute law and common law. The EL insurance is to cover the employee required by employment law. You must have EL insurance as an employer irrespective of any specific safety requirements.