As an employer, you most probably regard your employees as your most valuable asset.
Every employer should understand that employees also bring with them a number of risks than that could prove to be financially catastrophic to their business unless they have an adequate employers’ liability insurance in place.
Employers’ Liability Insurance would typically cover your legal responsibility towards all your employees for potential injuries, illnesses or diseases arising out of and in the course of their employment, also including payment for injury leave.
These risks have been around for a long time and most of them are now covered by health and safety or occupational legislation. These legislations impose various obligations on all employers.
Employers should normally consider such risks whilst their employees are on their own premises as well as off-premises, if in legitimate pursuit of their employment.
Employee related risks do not simply stop at accidents. It is becoming increasingly common to see claims related to stress-related illness, discrimination as well as sexual harassment amongst others.
Employers also need to consider their liability as an employer, should one of their employees injure someone or perhaps damage their property whilst in the process of their employment.
Please fill in the following form to make a
Employers’ Liability Claim:
Please fill in the following form to ask for a
Employers’ Liability Quote:
Frequently Asked Questions
Who can buy Employers’ Liability Insurance?
Any company employing one employee or more can purchase Employers’ Liability Insur-ance.
Is Employers’ Liability Insurance compulsory?
In Malta, Employers’ Liability Insurance is not compulsory, however we strongly suggest you consider this cover. Injuries sustained by employees can lead to high medical costs as well as potential litigation costs amongst others.
What limit of liability should I consider?
You would normally have various options to choose from – the limit of liability you should opt for very much depends on specific characteristics of your business such as the nature of your business and the number of employees you have. We would be in a position to give you the best advice once we have more knowledge on your business.
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