This policy seeks to protect the employer against compensation or damages which they are liable to pay under the common law to their employees in the event of injuries or contamination of diseases arising out of and in the course of employment

Overview

The cover protects employers against legal and financial liabilities arising from workplace injuries or illnesses sustained by employees. It covers the cost of compensation claims made by employees who are injured or become ill as a result of their work or working conditions.

 Injury or Illness Compensation:

• Covers medical expenses, lost wages, rehabilitation costs, and other related expenses for employees who are injured or fall ill due to their work.

 Legal Costs:

• Pays for the legal costs associated with defending the employer against claims, even if the employer is not at fault.

 Workplace Accidents:

• Covers accidents that happen while employees are performing work-related tasks, whether on company premises or while working off-site.

 Occupational Diseases:

• Protects against claims made by employees who suffer from work-related illnesses or diseases, such as respiratory issues or repetitive strain injuries, caused by the nature of their job.

 Third-Party Claims:

• If an employee injures a third party (customer, visitor, etc.) while working, the employer’s liability insurance may help cover the employer’s legal responsibilities.

 Employer’s Legal Responsibility:

• Provides financial protection in cases where an employer is held liable for employee injuries or illnesses under local workers’ compensation laws or common law.

 Coverage for Temporary and Permanent Disabilities:

• Covers both temporary and permanent disabilities caused by workplace incidents, which may include physical, emotional, or mental conditions.