Employers Liability & Public Liability Insurance Claims – Challenges for Policyholders & Insurers

Topics discussed will include coverage under standard EL and PL policies, the differences in approach to EL and PL policies and claims, the types and claims arising. Issues in proving and defending such claims will also be discussed, along with the steps that insureds and insurers may take to protect themselves in future.

CONTENT

• The Need for Liability Insurance
• The Main Sources of Liability
• The Main Provisions of Cover and the Main Hazards Encountered
• Overview of the Nigeria Legal System
• How Civil Liability can Attach through Common Law/Tort, Contract or Statute, including a Detailed Overview of the Key Torts (Negligence, Nuisance, Trespass, Defamation and Strict Liability)
• Typical Policy Structure, Covers, Conditions and Restrictions
• The Basic Elements of Underwriting Considerations
• Overview of the Claims process explaining the Fundamental Difference between Legal Liability and Policy Liability
• Overview of Recent Legal and Social Trends that have impacted on Liability Insurance
• Coverage under standard EL and PL policies
• Differences in approach to EL and PL policies and claims
• Types of claims arising under EL and PL policies
• Issues in proving and defending such claims
• Implications of the FCA test case on causation and evidential issues
• Steps insured’s and insurers may take to protect themselves in future

TRAINING METHODOLOGY

The training methodology combines lectures, discussions, group exercises and illustrations. Participants will gain both theoretical and practical knowledge of the topics. The emphasis is on the practical application of the topics and as a result participant will go back to the workplace with both the ability and the confidence to apply the techniques learned to their duties.