Employers liability insurance

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Employers liability insurance


Employers’ liability insurance has you covered if anything happens to your employees as a result of the work they do for you. We offer employers’ liability insurance in conjunction with our public liability cover. Employers’ liability insurance gives you reassurance as a small business owner and lets staff know you’re serious about their welfare.

What is employers' liability insurance?


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.

What does employers' liability insurance do?


Accidents happen – even if you’ve offered training and followed all the health and safety protocols. While these might not be your fault, as an employer you may face the cost of settling and defending any claims.

Business owners can also face claims from people who have stopped working for you. Having an employers’ liability insurance policy protects your business against such situations.

Employers' liability ensures that if the case goes to court, you're covered for legal costs and any compensation you may have to pay, up to the policy limit.