Securing your business against any exposure to legal liabilities
Workmen's Compensation Employer's Liability
Workmen’s Compensation and Employer’s Liability covers any occupational sickness or…
Public Liability Insurance
Public Liability Insurance covers the cost of legal action and compensation claims made against your business if a third party is injured or their property suffers damage whilst at your business premises or when you are working in their home, office or business property.
Public liability insurance should be taken out by any business, large or small that deals directly or indirectly with the public.
The policy covers the following:
This is generally referred to as THIRD PARTY or PUBLIC LIABILITY cover. The cover includes any legal fees and expenses which result from any claim by a third party, subject to prior consent of the Insurer.
It is to be understood that a THIRD PARTY is one who is not connected with you as a family member / employee or with whom you have entered into a contract.
Some of the Exclusions are as below:
Under this insurance, you must be legally responsible to compensate the sufferer under a specific law or under common law or law of tort. The policy is on ‘occurrence’ basis. ‘Occurrence’ would mean the incident should happen during the policy period. Sum Insured Selection – In Public Liability Insurance, the sum insured is referred to as Limit of Indemnity.
This limit is fixed per accident (Any One Occurrence) and usually covers any number of accident/occurrence during the period (In Annual Aggregate).
The AOO limit which is the maximum amount payable for each accident should be fixed taking into account the nature of activity of the insured and the maximum number of people who could be affected and maximum property damage that could occur.
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Workmen's Compensation Employer's Liability
Workmen’s Compensation and Employer’s Liability covers any occupational sickness or accidents arising during the course of employment, including medical expenses and loss of wages for either bodily injury or the death of an employee as per relevant Labour Laws.
This policy provides protection to you as an Employer if you are held liable BY LAW to pay compensation when the employee proceeds against you for any accidental bodily injury and / or disease caused during the course & in connection of the employment.
In addition to the compensation awarded by the Courts, this policy also covers legal costs and expenses, with the prior consent of the Insurer.
The Policy protects the insured as an Employer against legal liabilities incurred by him for death and injury (including permanent disabilities) suffered by the employee arising out of and in course of his employment whereby the Employer is obliged to compensate the employee under the law.
In UAE, the governing law is the UAE LABOUR LAW OF 1984.
The Law also provides for compensation for death, disabilities and injuries sustained by the employee whilst being transported from place of residence to the place of work.
Certain occupational diseases like sun-stroke, hernia etc. are also treated as injuries requiring compensation.
Policy also covers changes in laws etc. issued after the Issuance of the Policy.
The major exclusions under the policy are:
The Employer’s Liability limit of Indemnity should be fixed taking into account the number of employees, their occupations, salaries and nationalities.
