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Employer Liability
What is it?
Employers liability insurance protects businesses against the costs of compensating employees who are injured or ill because of their work. It also covers associated costs such as claimants' legal fees and the costs of defending the action.
This insurance will normally provide protection against the cost of defending prosecutions of the insured under health and safety legislation with regard to incidents relating to employees.
Why do you need it?
In today's increasingly litigious world, companies and other organisations are more likely to find themselves held liable for accidents and events that cause injury to their employees. And with compensation payments hitting an all time high, the cost to businesses can be massive.
There are also many hidden costs caused by the disruption to the working environment because of employee absence. This can have a major impact on a company's bottom line. Managing employee health and safety risks are an important element of controlling operational costs and protecting the company itself.
Who needs it?
Practically every business should have Emplyers Liability cover. Businesses with a large number of employees would benefit from additional cover, to protect them in the event of a catastrophe. The quicker the return to work, the better for both employer and employee. Case managed rehabilitation can get the injured employee back to suitable employment, reducing loss of earnings claims, legal fees and commercial disruption.
Why use AIG Australia ?
With over four decades of experience in providing Employers Liability Insurance, and coupled with our financial strength and global capacity, we are one of the leading providers in the Australasian market.
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