Across more than one Learning Outcome (30 marks) You are a claims handler for an insurer. One of the insurer's liability policyholders, ERE Ltd, is a horse-riding establishment. During the past year, ERE Ltd has received multiple claims from employees, most of which are related to manual handling incidents. ERE Ltd has also been notified of a claim relating to a serious injury to a minor, who fell from a horse during a riding lesson. ERE Ltd seeks your advice regarding these claims.

(a) Discuss ERE Ltd's potential liability for the manual handling claims. Refer to one relevant statute in support of your answer. (10 marks)

(b) Explain, with justification, one way the insurer may seek to reduce risk exposure to manual handling claims. (5 marks)

(c) Discuss ERE Ltd's potential liability for the injury claim to the minor. Refer to one relevant statute in support of your answer. (10 marks) (d) Explain, with justification, one way the insurer may seek to reduce its financial exposure to the claim for the injury to the minor. (5 marks)