As Employers’ Liability insurance is compulsory, policy exclusions are not permitted.
However, cover may be limited by an insurer as part of the underwriting process by applying clauses which:
- Restrict the definition of the ‘business’;
- Exclude certain kinds of work;
- Exclude certain machines and/or processes.
This allows insurers to exclude, for example, off shore work and nuclear risks. In addition, the policy wording will exclude liability for injury to employees whilst travelling in (or getting into or out of) a vehicle, whilst being used on a road. This is because the Motor Vehicles (Compulsory Insurance) Regulations 1992 require cover for such risks to be provided under the employer’s motor policy