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The Employers' Liability Tracing Office (ELTO) is an independent UK agency set up to provide insurance claimants and their representatives with online access to a database of Employers' Liability Insurance policies, so that people suffering from a disease/injury caused at work with a former employer can identify who provides their insurance.
In order for such a duty to exist, the injury to the claimant must be "reasonably foreseeable", [4] meaning, for example, that the type of employment must be one in which an unfit employee could cause harm of the type which occurred, [3] and the claimant is the type of person to whom such harm would be a "reasonably foreseeable consequence".
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
Examples of this may include vandalising or otherwise modifying an individual's personal property, as well as using such property without permission. Conversion is the equivalent in tort law to theft or larceny under criminal law. In an action for conversion, a plaintiff essentially asserts that the defendant has stolen their property and ...
An employee handbook, sometimes also known as an employee manual, staff handbook, or company policy manual, is a book given to employees by an employer.. The employee handbook can be used to bring together employment and job-related information which employees need to know.
For example, in 1926, an insurance industry spokesman noted that a bakery would have to buy a separate policy for each of the following risks: manufacturing operations, elevators, teamsters, product liability, contractual liability (for a spur track connecting the bakery to a nearby railroad), premises liability (for a retail store), and owners ...
However, various professional services and products can give rise to legal claims without causing any of the specific types of harm covered by such policies. Common claims that professional liability insurance covers are negligence, misrepresentation, violation of good faith, and inaccurate advice. Examples:
These would include workers' compensation (employers liability), public liability, product liability, commercial fleet and other general insurance products sold in a relatively standard fashion to many organisations. There are many companies that supply comprehensive commercial insurance packages for a wide range of different industries ...