An insurers approach to the management of health and safety

In common law the employer has a duty of care towards his employees. If he fails to discharge that duty and an employee suffers injury or disease, the employee is entitled to sue his employer for damages to compensate for the harm done. In order to ensure that sufficient funds are available to provide such compensation the employer is required by the Employers´ Liability (Compulsory Insurance) Act 1969 to take out an insurance policy to cover his legal liability to this employees. Here, the author examines the management of industrial health and safety from an insurance point of view