Employer’s Liability

Employers’ Liability Insurance is a type of insurance that provides coverage for employers against claims made by employees who have suffered work-related injuries or illnesses that are not covered by workers’ compensation insurance.

Here’s a breakdown of key points:

1. Coverage: Employers’ Liability Insurance typically covers legal costs, compensation payouts, and other expenses associated with defending against employee claims for injuries or illnesses sustained while on the job.

2. Claims: Claims under Employers’ Liability Insurance might arise from various situations, including workplace accidents, injuries due to unsafe working conditions, or illnesses caused by exposure to harmful substances at work.

3. Who Needs It: Employers’ Liability Insurance is essential for any business that employs staff, including full-time, part-time, temporary, or contract workers. It’s particularly crucial for businesses operating in industries where there’s a higher risk of workplace accidents or injuries, such as construction, manufacturing, or healthcare.

4. Legal Requirements: In Dominica having Employers’ Liability Insurance is not a legal requirement for businesses with employees.  Employers should have this coverage to protect their financial assets and ensure they can meet their legal obligations to employees in case of workplace accidents or injuries.

In summary, Employers’ Liability Insurance is designed to protect businesses from financial losses arising from claims by employees for work-related injuries or illnesses. Any business with employees should seriously consider obtaining this coverage to mitigate potential risks and liabilities associated with workplace accidents.