employer's liability insurance is liability insurance that 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.
This policy will pay all related costs such as claimants’ legal fees and the costs of defense.
- 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