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MAP20071502826Employers liability : crisis looms BIBA has indentified dozens of businesses that have either closed down or are continuing to trade illegally and uninsured, after being unable to secure EL (Employers Liability) cover. The article describes examples of business that have either gone out of businesses or are choosing to operate without insurance, according to the AssociationEn: Foresight : the journal of risk management. - London. - September 2002 ; p. 14-161. Seguro de responsabilidad civil. 2. Quiebras. 3. Reclamaciones. 4. Indemnizaciones. 5. Pequeñas y medianas empresas. 6. Crisis económica. 7. Gran Bretaña. I. Title. II. Título: Foresight.