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Employer’s liability insurance
With the employer’s liability insurance, you protect yourself from unexpected expenses related to an occupational injury that occurred with an employee during the insurance period.
Employer’s liability insurance
If an employee suffers an occupational injury, ERGO employer’s liability insurance will help to cope with the claim for damages. In the event of an insured event, employer’s liability insurance covers the claims for property damage agreed in the terms and conditions, as well as legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.
Mitigating the risks related to the employer’s liability with insurance should be considered by all companies for whom the well-being of employees is important.
Wide insurance cover
ERGO employer’s liability insurance provides broad insurance cover for mitigating damage that may arise from an occupational injury.Client-based solutions
When concluding ERGO employer’s liability insurance contracts, we proceed from the specific client, the risks related to their activities, and the need to mitigate such risks.Competent team
ERGO has a risk management, sales, and claims handling management team with long-term and international experience.What is covered under ERGO employer’s liability insurance?
In the event of an insured event, personal injury related to the occupational injury is indemnified. Check out the additional covers. This is a list of main types of employer’s liability insurance covers, including a list of the types of property damage that ERGO generally indemnifies under employer’s liability insurance.
Damage related to an occupational injury
The basis for defining employer’s liability insurance is the Occupational Health and Safety Act. Indemnity will be paid for damage caused to an employee as a result of an occupational injury or, in the event of the death of an employee, to their dependant(s) and specified in the terms and conditions of insurance.
Legal assistance and judicial expenses
ERGO will indemnify legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.
What is covered under ERGO employer’s liability insurance?
In the event of an insured event, personal injury related to the occupational injury is indemnified. Check out the additional covers. This is a list of main types of employer’s liability insurance covers, including a list of the types of property damage that ERGO generally indemnifies under employer’s liability insurance.
The basis for defining employer’s liability insurance is the Occupational Health and Safety Act. Indemnity will be paid for damage caused to an employee as a result of an occupational injury or, in the event of the death of an employee, to their dependant(s) and specified in the terms and conditions of insurance.
ERGO will indemnify legal assistance and judicial expenses related to the insured event and agreed in advance with ERGO.
What does ERGO employer’s liability insurance indemnify as an additional cover?
In employer’s liability insurance, you can choose different additional covers. It is also possible to agree with ERGO on the omission of some of the exclusions set out in the terms and conditions in order to receive the insurance cover that is most suitable for you.
Occupational disease
If there is additional cover for occupational disease, ERGO will indemnify the employee for the expenses related to the diagnosed occupational disease during the insurance period specified in the insurance terms and conditions.
Property damage related to an occupational injury
If there is this additional cover, ERGO will indemnify the damage caused to the employee’s personal belongings in the course of an occupational injury together with personal injury to the agreed extent. For example, an employee falls from the roof during work, and in addition to personal injury, the employee’s personal phone is also damaged.
Increased liability of the employer
On the basis of certain laws (e.g., the Security Act), the employer incurs increased liability. To the extent of the employer’s increased liability, the damage will be indemnified only if there is additional cover.
What does ERGO employer’s liability insurance indemnify as an additional cover?
In employer’s liability insurance, you can choose different additional covers. It is also possible to agree with ERGO on the omission of some of the exclusions set out in the terms and conditions in order to receive the insurance cover that is most suitable for you.
If there is additional cover for occupational disease, ERGO will indemnify the employee for the expenses related to the diagnosed occupational disease during the insurance period specified in the insurance terms and conditions.
If there is this additional cover, ERGO will indemnify the damage caused to the employee’s personal belongings in the course of an occupational injury together with personal injury to the agreed extent. For example, an employee falls from the roof during work, and in addition to personal injury, the employee’s personal phone is also damaged.
On the basis of certain laws (e.g., the Security Act), the employer incurs increased liability. To the extent of the employer’s increased liability, the damage will be indemnified only if there is additional cover.
Examples of insured events of employer’s liability insurance
To better understand employer’s liability insurance, here are some examples of insured events that have occurred.
Sawmill
An accident happens to an employee of the sawmill during work: their left hand remains in front of the saw, and the employee loses it. An occupational injury accompanied by personal injury has occurred.
Warehouse
A warehouse worker places boxes on a shelf in the warehouse. Another employee does not notice them and hits them with a forklift. An occupational injury has occurred.
Construction site
The wall of the building being renovated falls on a builder. The employee dies as a result. A fatal occupational injury has occurred, where the employer has to indemnify the funeral expenses to the victim’s family and, since the employee has a small child, the child’s maintenance costs.
Big kitchen
The cook falls in the kitchen with a large pot of boiling soup. They break their arm and suffer severe burns. An occupational injury has occurred.
Examples of insured events of employer’s liability insurance
To better understand employer’s liability insurance, here are some examples of insured events that have occurred.
An accident happens to an employee of the sawmill during work: their left hand remains in front of the saw, and the employee loses it. An occupational injury accompanied by personal injury has occurred.
A warehouse worker places boxes on a shelf in the warehouse. Another employee does not notice them and hits them with a forklift. An occupational injury has occurred.
The wall of the building being renovated falls on a builder. The employee dies as a result. A fatal occupational injury has occurred, where the employer has to indemnify the funeral expenses to the victim’s family and, since the employee has a small child, the child’s maintenance costs.
The cook falls in the kitchen with a large pot of boiling soup. They break their arm and suffer severe burns. An occupational injury has occurred.
