The Florida regulators wanted to remind insurers of pertinent Florida Statutes and Florida Administrative Code Rules governing workers' compensation and employer's liability insurances
. Specifically, Section 627.091(1), Florida Statutes, provides in part: "As to workers' compensation and employer's liability insurances
, every insurer shall file with the office every manual of classifications, rules, and rates, every rating plan, and every modification of any of the foregoing which it proposes to use." Section 627.410(1), Florida Statutes provides:
If that is the case, the workers' compensation and employer's liability insurance
policy of the employer is not going to apply to a claim by the child since that policy responds to consequential injury claims.
The bottom line for many means no employer's liability insurance
, leading to no business.
"Everyone recognises that, if someone has a serious accident at work and the employer is at fault, a claim should be made against the employer's liability insurance
," says Michelle Haste, a solicitor specialising in employment law at Jones Day Gouldens.
Mr Williams said: ``There are several hundred firms which we can identify that have either gone out of business, can't afford insurance or, I'm sorry to say, may be trading without employer's liability insurance
as we speak.''The problem was caused by a ``coming together'' of factors including the stockmarket crash.
Since you will be liable for any accidents on your plot, you need public liability cover and, if you are sub-contracting any of the work, you become the employer and need employer's liability insurance
Arrange employer's liability insurance
. A good insurance broker can get cover for you.
* Employer's liability insurance
, civil liability insurance for carriers of dangerous goods and passenger carrier's liability insurance are the classes of compulsory insurance in the Kyrgyzstan insurance industry.
And before 1969, Employer's Liability Insurance
was not compulsory.
There are three must haves - employer's liability insurance
if you have staff, engineering insurance if you use certain types of machinery, and motor vehicle insurance: