ABSTRACT

The Employers’ Liability (Compulsory Insurance) Act 1969 and the Employer’s Liability (Defective Equipment) Act 1969 impose duties on the employer to carry insurance cover as specified in these Acts. For this reason alone the employer is likely to be the chosen defendant if the victim is an employee. Another reason why employees have, historically at least, tended to sue their employers, is that the employer has an onerous responsibility to provide employees with a safe system of work, including instruction and plant and equipment appropriate to the task. However, the employer may not, of course, be carrying the cover the law requires! In practice, substantial organisations are more attractive as defendants than small organisations, because they are likely to be sufficiently well managed to carry substantial insurance cover, and, if this is not so, they are nevertheless more likely than smaller organisations to have independent funds to meet their liabilities. Moreover it may be possible to bring evidence to show that a large organisation, especially if it is head contractor for the operation in which the victim was engaged, had an overriding obligation to provide a safe system of work, not dissimilar to that normally imposed upon the worker’s employer.