Worker Compensation Scheme

Employers' Liability Insurance

Employers' Liability Insurance provides indemnity to the Insured against liability at law for damages and compensation and claimant's costs and expenses in respect of bodily injury or illness sustained by any person under a contract of service or apprenticeship arising out of and in the course of his employment by the Insured in the business.

For those categories of employees not protected by the Workmen’s Compensation Acts or SOCSO, liability at law still exists and the Employer can obtain indemnity under the Employer’s Liability Policy.

The employer can be held liable at common law if it can be proved that the injury or illness sustained had been caused by the employer

• Personal negligence
• Negligence in failing to exercise reasonable care in engaging suitable and competent employees
• Negligence in failing to exercise reasonable care in providing and maintaining suitable and safe plant and machinery
• Negligence in failing to exercise reasonable care in providing a safe place of work
• Breach of duties laid down by statute or regulation for safety of employees