Liability insurance: are you covered?

Article Abstract:

The market for employers' liability insurance in the U.K. totalled 650 million pounds sterling in 1993. Around 64% of the market is accounted for by the top five insurance companies. The number of employers' liability claims has risen by 48% between 1981 and 1990. The type of claim is also changing, with a steep rise being seen in occupational disease claims. Changes in market conditions have led insurers to switch from offering unlimited liability to employers to finite levels of cover. Employers' liability insurance and its effect on health and safety at work is further discussed.

Laws, regulations and rules, Occupational health and safety, Occupational safety and health, Employer liability, Workers' compensation

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The price of cost-benefit

Article Abstract:

The Health and Safety Executive bases its cost-benefit methodology preparations on the identification and quantification of all consequences of a particular measure to the nation as a whole. The baseline against which costs of new proposals are drawn has been the cost of meeting legal requirements, but the new baseline relates to what companies actually do, instead of what they should do to obey the law.

Practice, Cost benefit analysis

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