SUBJECT : LIABILITY OF INSURANCE

QUESTION 1 (5 marks)

Discuss the reasons why the description of workes and their wages have to be declared?

QUESTION 2 (5 marks)

A standard Employer's Liabilty policy has a few clauses or extensions that are applicable to and can be included in the policy, without an additional loading on the premium. State the clauses which are deemed to expand the coverage.

QUESTION 3 (10 marks)

The Employer's liability policy is designed to provide cover for injury/sickness of employees acquired whole being employed under the insured, during the period of insurance. However, the are some areas or circumstances where the policy coverage is not applicable. State FIVE (5) exclusions for this policy.

QUESTION 4 (10 marks)

The house of Lords in Short v. J & W Henderson, Ltd (1946) tool four tests to help determine whether there is an employer-employee relationship. Discuss the the tests.