Employers’ liability insurance is a legal requirement for most businesses in the UAE with employees. It protects you against the cost of compensation claims in the event of an employee injury or work-related illness. Businesses without the right employers’ liability cover in place could risk receiving fines if legally required.
As an employer, you are responsible for the health and safety of your employees while they are at work. If an employee suffers an injury or falls ill as a result of working for your business, you could be held liable.
There are several circumstances you might need liability cover for. The situation could be as simple as an injury caused by slipping on a wet floor, or an employee contracting an illness because of factors you were unaware of.
Of course, you do all you can to prevent accidents from happening. But, in the event they do, an employers’ liability policy helps your business to stay on track by covering the legal and compensation expenses arising from a claim.