Liability – Employer and Third Party Injury Claims
Your liability policy is designed to cover claims for employees and third parties injured at work and or on your business premises. It is very important to report any claims immediately after the incident, even before the injured party has formally made a claim against you.
Please provide as much information as possible when reporting a claim to help speed up the claims process. Insurers will generally ask for the following information:
- A detailed summary of the circumstances surrounding the incident
- Date and time of the incident
- Injured party details
- Description of injuries and/or any known losses available at the time (this may include loss of earnings)
- Any relevant background information
- CCTV footage or photos
- Witness statements
After your claim has been reported, insurers may also request the following information:
- RIDDOR form
- Wage details
- Training records
- Maintenance and inspection reports
- Occupational health records
Next steps
Your Kerry London claims contact will manage your claim. Insurers investigate the claim using professionals such as loss adjusters or investigators, and they will arrange to meet with the policyholder to discuss the incident. Once the investigation is concluded, the insurer confirms whether they will cover the claim.
Please note that your insurance policy states you should never admit liability, respond to correspondence from the injured persons solicitor or enter into settlement negotiations, without first obtaining your insurer’s prior written agreement, to avoid prejudicing your claim and risk your insurer declining your cover.
We are here to help
There is no need to choose between experience and personal service. With Kerry London you have both. Contact us for expert, personal advice on your insurance needs.
