The key to implementing a cost effective claims and health and safety system is synergy between both departments. Take an Employers Liability (EL) claim for example. EL insurance is a mandatory insurance for virtually all organisations employing someone. It provides a certain amount of protection for an employee whilst they are working for your business. Claims of this kind usually stem from the employer being at fault for a worker’s injury or illness due to a health and safety error. The link between the two is clear to see.