Safe from harm.

Several large insureds have recently reported significant premium reductions. Tony Dowding says this is not due to the soft market, but to improvements in health and safety procedures.

Employers' liability is a difficult class of business for both
insurer and insured. In the last few years, insureds have faced the
removal of unlimited capacity and the imposition of a cap, while insurers
face a continuing soft market and heavy competition despite growing losses
and the threat of new occupational diseases.


The government is in the process of reviewing the Employers' Liability
(Compulsory Insurances) Act 1969, and draft guidelines for revisions to
the EL regulations were published