Employer's Liability Insurance
Additional protection when an employee claim goes beyond statutory benefits.
Employer's Liability can provide additional protection against certain employee claims arising from workplace injury or illness, subject to the policy.
This typically sits alongside Workmen's Compensation, not as a replacement for it.
Overview
Closing the gap beyond statutory benefits
Workmen's Compensation covers statutory benefits for occupational injury or illness. But an employee may also bring a legal claim against the employer alleging negligence — a claim that can exceed statutory benefit levels.
Employer's Liability is designed to respond to that additional legal exposure.
Who Needs It
Is this relevant to you?
- UAE employers across sectors, including:
- Construction.
- Manufacturing.
- Logistics.
- Hospitality.
- Retail.
- Healthcare.
- Professional services.
Coverage
What It Typically Covers
Read Carefully
Important Considerations
- This is separate from, and additional to, statutory Workmen's Compensation benefits.
- Limits should reflect your workforce size and activity risk.
- Contractor and subcontractor arrangements need to be clarified in the policy.
- Confirm how this policy interacts with your Workmen's Compensation and Public Liability cover to avoid gaps.
Our Role
How Omega Helps
Explain the Statutory Gap
We clarify exactly what Workmen's Compensation doesn't cover, and how Employer's Liability fills that gap.
Match Limits to Workforce Risk
We help assess appropriate limits based on your headcount and the nature of the work involved.
Coordinate Across Policies
We make sure Employer's Liability, Workmen's Compensation and Public Liability work together without gaps or overlap.
Support at Claims Time
If an employee brings a legal claim, we help coordinate the response with the insurer.
If You Need to Claim
Claims Support
FAQs
Frequently Asked Questions
Related Solutions
You may also need
Close the gap beyond statutory employee benefits.
Get a quote for Employer's Liability cover.
Get a QuoteUnderstanding the Importance of Employer's Liability Insurance
Employer’s Liability Insurance covers the liability of employer’s towards their employees i.e. it pays any additional compensation over and above the WC benefits upon a court judgment of negligence on the part of employer.
Limit of indemnity can vary from AED 100,000/- to millions depending on the requirement of clients.
In many regions across the globe, having worker’s compensation and employer’s liability insurance is not just a choice but a legal requirement for businesses. It’s common practice for companies to exhibit a valid insurance certificate at all work premises.
In the current legal climate, the likelihood of organizations facing liability claims for workplace accidents has significantly increased. When accidents happen, the courts often award hefty compensation amounts to the affected employees. Consequently, the financial burden on businesses due to worker’s compensation and employer’s liability claims can be quite substantial.
Legal Compliance
Insurance ensures that companies adhere to the local laws and regulations, thus avoiding any legal penalties or sanctions.
Financial Protection
ELI provides a financial cushion by covering the legal fees and compensation costs, which could otherwise be financially draining for a business.
Employer's Liability Insurance Features
- Employer's Liability Insurance is a safety net for employers, offering financial protection when faced with compensation claims.
- This insurance kicks in when an employer is legally obligated to compensate employees for injuries or fatalities that occur during work hours, under common law.
- This policy not only covers the compensation amount but also takes care of the legal expenses involved in defending against such claims, provided the insurance company has given its prior approval.
- The compensation for damages, along with the costs of legal proceedings, will be determined according to the laws of the UAE, with jurisdiction resting within the United Arab Emirates.
- This insurance ensures a smoother financial journey for employers while adhering to legal obligations, making it a crucial part of a responsible business strategy.
Our Partners
Trusted coverage through our exceptional network of insurance partners.
Frequently Asked Questions
What Exactly is Employers Liability Insurance?
Employers Liability Insurance is a policy that provides financial protection to employers against claims arising from employees who might suffer an injury or illness due to their work. In the UAE, where the workforce is a blend of numerous nationalities and job types, ensuring the safety and well-being of employees is paramount.
Is Employers Liability Insurance Mandatory in the UAE?
In the UAE, Employers Liability Insurance is not mandated by federal law across all emirates. However, it is highly recommended due to the potential high costs associated with employee claims related to workplace incidents. Some free zones and specific industries might have their own regulations that necessitate having such insurance.
What Does Employers Liability Insurance Cover?
Employers Liability Insurance typically covers the legal costs and any awarded damages related to an employee’s claim concerning a work-related injury or illness. This can include medical expenses, loss of income, and compensation for pain and suffering, ensuring that the employer is not financially burdened by such incidents.
How Does the Claim Process Work?
When an employee files a claim, the employer must immediately notify their insurance provider. The insurer will then evaluate the claim, considering the legal and medical aspects, before determining the validity and the compensation amount. The employer is required to provide all necessary documentation and cooperate fully during the investigation.
