Accidental Death Benefit
Provides compensation to eligible beneficiaries if an employee dies in a covered employment-related accident, subject to policy terms and legislation.
Employers Liability
Protect Your People.
Secure Your Business.
Employer's Liability Insurance protects your business against legal liability for employee injury, illness or death arising from work, helping cover compensation and legal costs.
Employee Injury Protection
Compensation Benefits
Employer’s Legal Liability Protection
Death & Disability Benefits
Legal Defence Cost Protection
What Is Employers Liability?
Understanding Employers Liability
Employer's Liability / Worker's Compensation Insurance protects employees against the financial consequences of work-related injury, illness, disability or death, while helping employers manage compensation and legal liabilities from covered workplace accidents, subject to policy terms and applicable laws.
What Does It Cover?
- Accidental bodily injury to employees arising out of employment
- Death resulting from a covered workplace accident
- Permanent or temporary disability benefits
- Occupational injury or disease, where covered
- Compensation payable under applicable legislation
Example:
If an employee suffers a serious injury while performing assigned work and becomes temporarily or permanently disabled, the policy can help provide the applicable compensation and benefits and protect the employer against covered liability arising from the incident, subject to the policy terms and applicable law.
Coverage Components
Comprehensive Protection At Every Level
Permanent Total Disability
Provides benefits for permanent total disability from a covered workplace accident, subject to policy wording and assessment.
Permanent Partial Disability
Provides compensation for a covered permanent partial disability from a workplace accident, based on policy terms and disability assessment.
Temporary Disability
Provides eligible compensation for temporary loss of earning capacity from a covered employment-related injury, subject to policy terms.
Medical & Related Expenses
Where covered or applicable, eligible medical and treatment expenses from a covered workplace injury may be addressed.
Occupational Injury & Disease
Where covered, protects against specified occupational diseases or work-related illnesses recognised under the policy and legislation.
Employer’s Legal Liability
Provides protection against covered legal liability arising from employee injury, illness, disability, or death in connection with employment.
Legal Defence Costs
Covers eligible legal expenses for defending covered employer liability claims, subject to policy terms and limits.
Advisory Support
Protect Your Workforce Before Risk Finds You
Workplace accidents carry legal consequences. We structure Worker's Compensation solutions around your workforce needs.
- 1.
Workforce Risk Assessment & Needs Analysis
We understand your workforce, nature of work, salary structure, locations and compensation requirements.
- 2.
Policy Design & Placement
Our specialists structure suitable coverage, employee categories, limits and policy terms, and place the risk with appropriate insurers.
- 3.
Policy Documentation & Support
We coordinate employee details, documentation and declarations to ensure the coverage is accurately structured.
- 4.
Dedicated Claims Advocacy
Our team supports claims from notification through documentation, medical coordination, insurer engagement and settlement.
- 5.
Annual Policy Review & Renewal
Regular reviews assess changes in workforce, remuneration and activities to keep the programme aligned.
Ready To Explore Employers Liability?
Protect your workforce and strengthen your business against the financial impact of workplace injuries and employer liability.
Frequently Asked Questions
Answers to Common Insurance Queries
Assessment should consider workforce size, job functions, occupational hazards, wages, work locations and exposure to workplace accidents or occupational injury.
Higher-risk occupations and large employee populations can increase the potential severity and frequency of employer liability claims, influencing required limits and underwriting.
Equirus Raghnall reviews employee categories, wages, occupational activities, workplace exposures and claims experience before negotiating appropriate coverage.
Employee census, wage bifurcation and occupational classifications are reconciled before quotation to ensure that the insurer receives accurate underwriting information.
