It is time to protect customers of public-facing businesses which both serve and profit from the public at large, argues Ross Whalley

The Employers’ Liability (Compulsory Insurance) Act 1969 makes employer’s liability (EL) insurance mandatory in all but exceptional circumstances. As employers are responsible for the health and safety of their employees while they are at work, it follows that if an employee is injured, becomes ill, or is killed as a result of that work, they are able to make a claim for compensation, in the knowledge that an employer will be indemnified by an insurer that provides for at least £5m of cover. The employer is also obligated to display a certificate of insurance where their employees can see it.

The Health and Safety Executive (HSE) holds the power to f...

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