Basic Cover

This policy indemnifies the Insured (the employer) from legal liability under the common law for damages and claimant's costs and expenses in respect of bodily injury by accident or disease sustained by any person under a contract of service or apprenticeship with the Insured and arising out of and in the course of employment by the Insured in the business.

The policy provides indemnity to employer due to negligence of the employer in failing to use reasonable care and skill in: -

  • Providing and maintaining a suitable and safe plant.
  • Providing and maintaining a safe place of work.
  • Providing and maintaining safe system of work.
  • Engaging suitable and competent employees.
  • Personal negligence of fellow employers and their negligence in carrying out their duties in their employment.

Eligible Proposer

Any person or organisation who are employers.

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