Every employer is legally obligated to ensure the safety and conducive working environment for their employees under the Common Law. However, a blanket of uncertainty prevails as to the nature of probable risks in the working space and the magnitude of adverse outcomes they might pose to the employer on the basis of perceived negligence. N/B All employees reserves the right to seek legal redress against their employer for negligence irrespective of having been compensated under the WIBA Act.

Thus, the Employer’s Liability policy offers protection to the employer against any resultant costs of compensating claims lodged by their employees in the event of illnesses, injury or death sustained in their course of duty. Moreover, this policy reimburses the insured the incurred expenses in the event of a lawsuit defence.