EL to pay.

Over the last few years, employers' liability has been a tough class of insurance for many insurers to write. Chris Parsons investigates whether this is the case across Europe.

From the beginning of last month, the statutory minimum cover for
employers' liability increases from £2m to £5m. Changes will also be
taking place to make certificates of insurance (which must now be retained
by the employer for 40 years) easier to understand. Certain other issues,
including trade warranties and the possibility of an MIB-style guarantee,
are being kept under review.


Of course, quite apart from the new regulations, poor claims experience
has made employers' liability business a