Our Employer's Liability Policy covers for Legal Liability Compensation consequent upon death or bodily injury to or illiness of an employee which occurs during and in the course of employment and which results in a legal claim or legal claims first being made against the insured during the period of insurance.
For KOIL to accept an Employer's Liability Proposal, it is MANDATORY for the insured to have taken a WIBA policy with us. Employer's Liability compensates additional compensation over and above the worker's WIBA compensation benefits upon a court of judgement for negligence on the part of the employer.
WHY EMPLOYER'S LIABILITY?
Compensation payments granted to claimants by courts have generally become very high and the costs to the business can be massive
Managing employee Health and Safety Risks are an important factor in controlling operational costs and protecting the Company's Assests
Duly completed proposal form
A schedule of employees covered and their annual wages
Insured's ID and PIN
Report incident/loss immediately after discovery of the happening
Provide all necessary claim documents (police abstract, claim form, Record book showing employee status and wages paid
DOSHI Form duly completed from the Director of Labour
All Medical Certificates from the Doctor/Hospital of treatment
Provide the demand letters immediately they are received