●       Legal claims from employees alleging negligence that led to their illness, injury, or death. This goes beyond what WIBA covers.

●       Legal fees associated with defending such claims.

●       Compensation is awarded to the employee if the claim is successful.

●       Limits of liability: Agreed upon with the insurer based on your needs and risk profile.

●       Exclusions: Specific situations not covered, such as contractor liability or accidents outside policy territory.

Employers liability cover is in addition to WIBA and it cover negligence claims which are not covered under WIBA

It covers all employees as covered under WIBA policy

Employers Liability premium is derived from WIBA premium depending on the limits requested for by the customer