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Employers Liability

Scope of cover
• Employers are responsible for the health and safety of their employees while they are at work. Your employees may    also become ill as a result of their work while in your employment. This will expose you to lawsuits as they may    require compensation.
• This policy covers the employer in respect to legal liability for death, injury or disease sustained by the employee in    the course of employment arising in connection with his negligence or breach of statutory duty.
• The policy will also settle court awards and other incidental costs such as legal fees, costs and the defense costs

Risk areas
• Breach of statutory duty e.g. failing to comply with WIBA, OSHA
• Breach of common duty of care (including vicarious liability).

Duty of care for an employer at common law are:
• Selection of competent staff
• Provision of safe and proper machines, materials and tools of trade
• Provision of a safe system of work

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