Employer's Liability Insurance
As an employer, you are legally liable to your employees in respect to their safety, health and welfare.
The Employer’s Liability insurance covers you as an employer for your legal liability under the Common Law to pay compensation, cost and expenses to your employees in respect of accidental bodily injury or disease arising out of or during the course of employment. The insurance also covers related costs such as claimants’ legal fees and the costs of defence. As an employer, you can be held liable for:
- Personal negligence
- Failure to provide a safe place and a safe system of work
- Failure to exercise reasonable care in the recruitment of competent staff
- Failure to provide proper machinery and maintain them in good working order