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Employer's Liability Insurance
What Is It?
Employer's Liability Insurance protects businesses against claims from employees who have suffered illness or injury as a result of their work. Unlike Workers' Compensation, which is a no-fault system, Employer's Liability covers claims where the employer is alleged to have been negligent or failed in their duty of care.
Key Features
- Coverage for legal defense costs in employee injury claims
- Compensation for damages awarded to employees
- Protection against claims of employer negligence
- Coverage for workplace disease and long-term health conditions
- Often included as part of a broader liability insurance package
Common Exclusions
- •Deliberate or intentional acts by the employer
- •Fines and penalties imposed by regulatory authorities
- •Claims arising from non-compliance with safety regulations
- •Contractual liabilities that exceed legal obligations
Where Is It Mandatory?
- •United Kingdom (not mandatory in most Southeast Asian countries)
- •Often required by contracts or as part of broader business insurance packages
Typical Cost
0.25% to 1.5% of annual payroll, depending on industry risk level and claims history
Related Insurance Types
Need More Help?
Speak with a broker who specializes in employer's liability insurance.
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