Policy Summary
Employers’ Liability Insurance protects employers against the risk of prosecution by employees in respect of work related injuries. Most Employers’ Liability claims are pursued on the basis that an employer is liable for the employee’s injuries because the injuries were caused by the employer’s:Motor Private Insurance safeguards the insured person or entity against financial loss arising from loss or damage to private motor vehicles including accessories whilst thereon, and also provides indemnity for legal liability for injury caused to third party persons or for loss or damage to third party property. Motor private vehicles are vehicles used for social and pleasure purposes including use with respect to insured’s business.
Client profile
This policy is ideal for:
- Individuals who own personal cars
- Companies with fleets of cars for use in their business
- Institutions/companies that provide private cars to their staff for using business and private purposes
Main Features
Benefits provided under Employers Liability Insurance include:
1. Legal Defence costs
these are costs incurred in defending suit/legal action in court.
2. Damages
award in monetary terms to be paid to the complainant/plaintiff (employee) for breach of duty by the defendant (employer). Damages are classified into:
- General Damages – compensate the claimant for the non-monetary aspects of harm suffered e.g. pain & suffering, loss of consortium (association), disfigurement, mental impairment, etc.
- Special Damages – compensate the claimant for quantifiable monetary losses e.g. medical treatment, loss of income, additional domestic costs, etc.
3. Cost of Appeal
costs incurred in either prosecuting or defending an appeal
