Many businesses will carry public liability insurance that covers them against claims by 3rd parties. Employers Liability ensures that your staff can claim in the event of accident or injury and that the money is available to meet these claims.
A claim can arise in a number of different ways however usually it is the result of a workplace accident. Sometimes employees can suffer relatively minor injuries and are encouraged to sue their employers by their lawyers. Note that illness claims can be raised long after the person involved has moved on from the companies employment.
This type of cover is suitable for all companies employing staff, whether these are in the country of base or have people working in foreign locations. In some of these countries, employers liability can be a compulsory insurance type.
Policy covers the liability of the employer arising from work-related employee injuries and occupational diseases. Limits of indemnity per employee are much higher than the minimum statutory limit can be offered upon request.