G'day. Is the insurance policy held by the employer or the employee? Who is liable, the employer the insurance Co. or the BG? Has the employer provided a safe workplace? If the insurance company wont pay out on the employers claim does this make the employer any less liable. (the employer is liable, that is why they have insurance.)
I would think that the employer is liable, the insurance Co. is up for the pay out, and the BG is guilty of an offence.
If you're not confused, you're not trying hard enough!
When you're confused, I'll try to use smaller words!!!