General Insurance

Employer Liability

Covers employees for bodily injury by accident or disease arising out of and in the course of employment due to employer negligence or breach of common law or statutory duty.

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IRA Regulated 48hr Claims 24/7 Support Since 2018
What's Covered

Policy Overview

Covers employees for bodily injury by accident or disease arising out of and in the course of employment due to employer negligence or breach of common law or statutory duty.

Benefits covered:

Benefits Covered ✓
  • ✔ Damages and claimants costs
  • ✔ Expenses of litigation
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Quick Summary

Employer Liability Insurance protects you against financial loss. Contact our team for a personalized quote and policy details.

Documents Required
  • Completed Proposal Form
  • Copy of National ID
  • Other documents as applicable
How It Works

Claims Process

We resolve claims within 48 hours on average.

1
Report the Incident

Call our 24/7 helpline or email us immediately.

2
Submit Documents

Provide your claim form, photos, and policy details.

3
Assessment

Our assessors evaluate and verify coverage within 24 hours.

4
Approval & Settlement

Your claim is approved and payment arranged promptly.

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FAQs

Frequently Asked Questions

How is Employers Liability different from WIBA?
WIBA is a no-fault, statutory compensation. Employers Liability kicks in if an employee sues you under Common Law for negligence resulting in their injury.
Do I need both WIBA and Employers Liability?
Yes, they are usually bundled as "WIBA + EL". WIBA pays the statutory minimum, while EL protects you from massive civil lawsuits.
Are sub-contractors covered under this policy?
Generally no. Sub-contractors should have their own coverage, though labor-only sub-contractors acting directly under your supervision may be included if declared.
Does the policy cover workplace harassment or discrimination claims?
No, Employers Liability is strictly for bodily injury or disease. Harassment claims require Employment Practices Liability (EPL) insurance.
Is there a limit to the payout per incident?
Yes, the policy will state a specific limit of indemnity for any one occurrence and an aggregate limit for the year.