A workplace accident that results in serious injury or death is an employer's worst fear.

Every jurisdiction has different rules about what employers are required to do in the event of a serious or fatal accident, and it is critical for employers to understand those responsibilities. Insurance is often used to mitigate the risk of workplace accidents, and in some countries it is mandatory for employers to take out such insurance. There are likewise cross-country differences regarding whether accident insurance can limit the employer's liability.

Our OHS expert group lays out below the basic duties of employers in their countries who are faced with a serious workplace accident, and whether insurance is available to cover all or part of the civil liability arising from the accident.

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The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.