T Level 1.2 Liability

What is liability?

• Responsibility for something, especially by law

• A type of insurance

• A construction material

• A project management tool

If something goes wrong on site, who is to blame?

• Employer

• Employee

• Public

• Someone else?

What is the employer legally responsible for in the course of an employee's employment?

• Employee's personal expenses

• Problems, accidents, or mistakes the employee has made

• Employee's personal hobbies

• Employee's vacation plans

Which of the following is NOT a responsibility of the employer according to the document?

• Injuries to the employee at work

• Injury to the public due to the work being carried out

• Associated medical costs

• Employee's personal debts

What can an employer take out to cover some of the costs associated with employer's liability?

• Health insurance policy

• Employer's liability insurance policy

• Life insurance policy

• Travel insurance policy

What is the employer legally responsible for in a situation where a member of the public is hurt or damage is caused to their property by a company's actions or products?

• Only injury or illness

• Only legal action

• Injury or illness, death, legal action, legal costs, and compensation

• Only compensation

What can an employer take out to cover certain costs associated with public liability issues?

• Health insurance policy

• Public liability insurance policy

• Life insurance policy

• Property insurance policy

Why is it important to have both employer’s and public liability insurance?

• To cover the costs of any damage, accidents, or incidents due to the work completed.

• To increase the company's profit margins.

• To reduce the number of employees.

• To avoid paying taxes.

How can liability insurance policies be purchased?

• Separately or as a package with the same provider.

• Only as a package with different providers.

• Only separately from different providers.

• Only through government agencies.

What is the best way to determine the appropriate level of cover for your business needs?

• Talk to an insurance broker.

• Guess based on previous expenses.

• Choose the cheapest option available.

• Ask your employees.