Employers Liability Insurance

Employers are liable under common law to pay compensation to their employees for injuries and diseases arising in the course of employment. such compensations may arise from:

Personal negligence of the employer

• The employer’s failure to provide the employee with a safe and suitable working environment.
• Contravening the statutory such as Occupational, Health and Safety Act.
• The personal negligence of fellow employee in the course of discharging the duties as an employee.

The injury or disease must be attributable to negligence on the part of the employer or breach of statutory duty on the part of employer. Therefore, an injured employee claiming under this policy has to engage a lawyer to pursue their case in or out of the court.

The government has passed legislation which grant employees automatic rights of compensation for employment related accidents or diseases.