MyClaim Welcomes New Employers' Liability Insurance Bill Which Could Help Thousands of Injured Workers Obtain Compensation Each Year

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Labour MP, Andrew Dismore, introduced The Employers' Liability Insurance Bill to Parliament which sets to address the problem of a large number of injured workers go uncompensated each year; because they cannot trace details of their employer's insurance.

We have been calling for the introduction of an ELIB for more than ten years... People who cannot trace their employers' insurers often have no option but to give up their right to compensation, and an ELIB would provide the back up these people need to make sure their claims do not have to be abandoned.

The Employers' Liability Insurance Bill, introduced to Parliament by Andrew Dismore, Labour MP for Hendon, on the 26th January, sets to address the problem of the fact a large number of injured workers go uncompensated each year; because they cannot trace details of their employer's insurance. MyClaim hope that this will create the necessary support injured workers need for claiming compensation for work related personal injuries.

The new Bill would permit the formation of an Employers' Liability Insurance Bureau (ELIB), which would provide a compensation fund for injured workers who cannot trace details of their employer's insurance, and would otherwise be entitled to personal injury compensation. The ELIB would also be responsible for administering a compulsory database of employers' insurance policies.

The implementation of this Bill, which will receive its second reading in Parliament on 13th March; can only be welcomed by MyClaim, when recent figures published by the Department for Work and Pensions demonstrate that the current system, for tracing employers' insurance policies, which offers an online tracing service, is far from adequate. Since the implementation of this system, run by the Association of British Insurers, in 1999, only 35% of the enquiries submitted have been successful, leaving a staggering 6000 policies untraced each year.

Although insurers have agreed to hold data in a searchable format from 1999 onwards, this unfortunately does not help the thousands of injured and sick workers who have been exposed to harmful environments over a long period of time, and need to trace policies pre-dating 1999.

The current system is particularly unhelpful for those suffering from asbestos-related diseases where symptoms do not present themselves until many years after exposure.

The proposed new work injury claims compensation fund would ensure that these victims would no longer go uncompensated.

Mr. Dismore commented: "If compensation is there for people injured by uninsured drivers, it should be there for sick and injured workers… The aim of my Bill is to level that playing field."

The Association of Personal Injury Lawyers (APIL) are strong advocators for the Bill. Denise Kitchener, Chief Executive of APIL commented: "We have been calling for the introduction of an ELIB for more than ten years... People who cannot trace their employers' insurers often have no option but to give up their right to compensation, and an ELIB would provide the back up these people need to make sure their claims do not have to be abandoned."

If you or a loved one are unfortunate enough to be or have been caused harm at work, MyClaim recommends you to bring a claim for personal injury compensation forward. It's essential that you make sure that your claim gets be handled by a solicitors firm with specialist knowledge and experience in work based claims. Also look for legal representation that offers No Win No Fee Solicitors, which guarantees that the injured party will receive 100% of their compensation.

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Damian Horan
MyClaim
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