Employer’s liability insurance

Employer’s liability insurance covers the liability of an employer in situations where a personal injury or property damage has been caused to an employee and the employer is legally responsible for such injury or damage.

Who is the addressee of the employer’s liability insurance?

Employer’s liability insurance is designed for companies that make all possible efforts to protect their employees at work but still consider the possibility that any coincidence of adverse factors may cause damage to employees if any risks within the employer’s sphere of influence unfold.  

See for detailed insurance terms and conditions here.


Does the cover also include losses caused by an employee to clients or third persons?

Employer’s liability insurance covers only the part of loss that is caused by the employer to his/her employees. 

Does the cover include all losses caused to employees?

Any loss caused to employees must be the consequence of an unexpected event. Cover does not include occupational diseases of employees or damages that reveal themselves after long-term endurance of certain events or loss factors.