Less EL talk and more EL discussion.

The employers' liability situation continues to hit the headlines but in order to solve the problem, it is time for a mature and informed debate about the allocation of resources, says Tony Cherry.

Much has been written recently about the crisis in employers'
liability insurance. In fact, there is a crisis in liability insurance
generally but where the cover is not compulsory businesses obviously have
the option of not purchasing.


For major corporations this means retaining an agreed level of risk in a
captive and reinsuring the rest. This technique may be applied informally
and subject to an indemnity and guarantee arrangement to ensure legal
compliance for EL too.


Smaller businesses may